Date Received: 2020-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My name is XXXX XXXX and I just received a letter the mail saying that a company called LVNVFUNDING, LLC is going to sue me on a debt. The court date is for XX/XX/2020. I know my rights but this is really getting out of hand. I dont know why they forcing me pay for something when its already on credit report. They had tried this before on sending a person to my house serving me papers that I was due for court but there wasnt no time or date on it. I really need someone to help me out with this one because they cant be doing and harassing me. Thanks.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've been contacted multiple times by email in connection with a debt that I don't owe from a company I don't recognize. The debt is also listed on my XXXX credit report. The companies name is XXXX XXXX XXXX. They have sent me emails asking for payment in the amount {$1000.00} on XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020.I 've never heard of the company before and the same debt is listed on my XXXX credit report as being owed to LVNV Funding, LLC. I've never done business with either company and believe this is fraudulent activity.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XXXX sent letter to company stating the balance of {$630.00} its not my account its was open without my consent or knowledge the account was established by identity theft
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I paid the agree upon amount to Resurgent Capital Services acting as LVNV. Once paid they agree to remove their collection account from my credit report. As of today the collection account is still posted on my report hurting my credit score.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to you about the succeeding LVNV account # XXXX, Opened date : XX/XX/2019, highest balance {$3600.00}, original creditor : XXXX XXXX. This case is worth over {$100000.00}. I have been turned down from several lines of credit and this is also affecting me emotionally. My demand is to get the item removed based on all the unfair practices and negligence that this company has committed. Just to mention some of them : 1 ) Account has been re-aged. showing latest status as 120 days late, this has hurt his score, collection company can only report account as collection and not report it that theres a monthly payment due thats 120 days late. 2 ) Reporting collection account illegally as 120 days late. 3 ) Failed to report last payment date. Ive been paying high interest rates because my credit score keeps decreasing month by month. I deserve to get the item removed from the 3 major credit report asap.
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account by LVNV is reporting a debt owed that does not belong to me. I disputed this account. The dispute resolved nothing. This account does not belong to me.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not recognize the credit card accounts on my credit report.
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have a fraudulent account reporting on my credit reports due to identity theft. I never opened a XXXX XXXX account.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is attempting to collect on a debt that is more than 10 years old and was also previously disputed directly with XXXX XXXX XXXX and XXXX 's dismissed the debt due to identity theft. The following is the complaint that was sent to XXXX 's : On XX/XX/2005, my SUV was broken into as I dined at a restaurant in XXXX, Texas. Numerous items were stolen, including my briefcase that contained my personal information on documents, which included my driver 's license number, birthdate and social security number. Since this event occurred, my personal identity was stolen and numerous successful attempts of credit were extended to one or more individuals. I have sent letters that include a copy of the police report, which I filed with the XXXX Police Department to the creditors who are now falsely reporting incorrect information on my credit report.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A