Date Received: 2020-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously sent LVNV FUNDING a request to validate this debt, for the following account numbers, on XX/XX/2020 XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given LVNV FUNDING 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XXXX/XXXX/2020 Since LVNV FUNDING are still reporting this account on my credit report, LVNV FUNDING are now in violation of the FCPDA, and are now 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 the suit if I do not hear back from LNVN FUNDING within 15 days. LVNV FUNDING should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put LVNV FUNDING company in serious legal trouble with the FTC and other state or federal agencies.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2020-11-23
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: XXXX** The CFPB closed my earlier complaint as they felt it was a duplicate complaint. Complaint XXXX should have been sent to creditor and was not a duplicate complaint. The complaint was closed in error. On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I would know if they received it. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. This validation letter was also returned from the US Post Office with a bad address that could not be forwarded. This means that the company has gone out of business, reporting incorrect contact information on my credit report, or is conducting business under false pretense. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV promised to delete this account from my credit report as the debt was paid through XXXX. I have included the receipt as validation of payment
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
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: 02125
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 LVNV received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, LVNV will delete the account fully from my credit reports. A few days later the check was cashed. They have since recorded the settlement amount but failed to comply with the settlement agreement as stated. The account is still appearing and showing a balance owed on my credit reports where it should have been removed fully as per the agreement. I've contacted LVNV about this and they have told me to speak to Frontline as they are now representing LVNV on this debt. I spoke to XXXX at XXXX on XX/XX/2020 who informed me the check and the letter have been separated in error, and verbal agreed to delete the item. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing and shows a balance.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have reached out to Resurgent about several accounts the claim on their website. I received an initial response requesting more information. I immediately responded and have sent several follow ups. One of theres items is being reported to credit reporting companies by another company.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please provide a copy of a signed contract with my name saying this is my debt. Remove from XXXX. XXXX, and XXXX immediately.
Company Response:
State: PA
Zip: 18914
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I open the pre paid secured card with XXXX XXXX for {$300.00} honor ereabouts a XXXX of XXXX then I only old {$50.00} in an emergency came up and they sent me a merge to give us I didn't make any more payments I just let the card go and so they sent me a bill for {$620.00} they would try to collect on it for the last year and a 1/2 and I told him this you guys only {$250.00} return and plus you don't have it and then LV in V is tried to do the collection now they don't even have a wet signature on file I've asked a very moving stop reporting this insane behavior when they owe me money and I'm sure this world not really doing me any good making this complaint because you guys are disappear ocracy and you really don't helps all this use and I have a but XXXX confidence but with the election results and making complaints it trying to get these guys to fix my credit and would never will work ever is gon na work is it going have to file a lawsuit and that probly wont-work either thank you for all your help
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: How is it possible that an account that was supposed to have been settled with XXXX XXXX XXXX almost three years ago is now appearing on my credit report in collection with a derogatory remark. I consolidated all of my outstanding debt almost three years ago, and have not had anything negative on my credit report since. XXXX XXXX XXXX settled my XXXX credit card account again, almost three years ago. I have not received anything regarding an outstanding balance or owed amount since it was settled. Recently I applied for lower rent apartment and was denied due to a derogatory remark on my credit report. I had no idea what this could have been. I looked up my credit history and it reads that a XXXX account was opened XX/XX/2020, and the owed amount is XXXX I never reopened this account, and did not charge this amount of money. Apparently another company Lvnv took over XXXX, and does not have record of my closed account from three years ago. Regardless, I never charged XXXX, never reopened this account, nor have never received any notification that I owed anything because as far as I knew this account was closed and settled. I called LVN ( XXXX ) to try to get this corrected, but there was no resolution and they are saying I owe {$4300.00} which is an amount I never charged. I didn't even have a credit limit for this amount from over three years ago. My credit report is reading that I opened this account XXXX XXXX and have not paid in 8 months - this is absolutely not true. I can not understand how I finally got out of debt and have been building up my credit for almost three years, then this appears on my credit report from Lvnv company. How is this legal. This company prevented me from moving into an affordable apartment with my son. This one company destroyed my credit - how can this be acceptable. I am a single mom who pays my bills and takes care of my son. What gives this company the right to be able to apply this to my credit report??? Even if by chance the debt consolidator did not settle this once account, shouldn't I have received a bill, notice from XXXX???? I never once received any notification so how is it possible this company is allowed to destroy my credit in a split second when I have spent three years building it up. With COVID and all the negative in this world, I actually had one positive - a potential affordable home, but because Lvnv added an account as opened XXXX XXXX stating has not been paid in 8 months I lost my opportunity. Again, I never opened this account XXXX XXXX, nor have I ever owed this amount of money. At this point I do not know if I need to take legal action for ruining my credit, illegal allegations, lost opportunity for a secure home, mental stress, now anxiety. This is really just terrible, and very upsetting. I am hoping you can help in getting this resolved. Thank you for your time Stay safe XXXX XXXX
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: hey im having issues with my credit due to inaccurate information appearing on my credit report from lvnv funding llc XXXX XXXX XXXX XXXX sc XXXX I lost my job due to covid 19 and this on top of this is stopping my progress in life and i would like it removed from my credit
Company Response:
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A