Date Received: 2020-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding XXXX. XXXX XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. LVNV Funding LLC has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from XXXX XXXX dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that LVNV is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much LVNV bought this account for.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On XX/XX/2018, LVNV Funding LLC added a derogatory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, My name is XXXX XXXX and I am writing this email to file a complaint with LVNV. I have no dealings nor do I owe any money to this company! This contract which was under " XXXX XXXX '' was cancelled and removed offof my credit report. Once the name was changed whoever is responsible attempted to add this back on my credit report, but I currently have NO CONTRACT with them. Under my XXXX report there is no account with them shown on my report at all, but XXXX continues to give me a hard time with helping me remove this item off of my report! Regards, XXXX XXXX
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV funding LLC hired XXXX XXXX XXXX XXXX XXXX to collect a debt for XXXX XXXX I have never heard of them
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have called the collection agency several times informing that they are reporting the wrong amount. My credit originated with XXXX XXXX XXXX they have charged off account with XXXX however, LVNV is fraudulent reporting XXXX I have Dispute this charge with XXXX XXXX, XXXX, XXXX and they concluded an investigation and updated my files with the same XXXX disputed. LVNV is conducting an investigation of there own however no update has been posted,
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted XXXX XXXX and XXXX XXXX about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.
Company Response:
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Since 2018, I have sent numerous letters, emails, contacted collection agency directly. What happened ; I was notified by several institutions of credit and security breaches : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. My complaint is regarding a collection agency LVNV that is causing me harm due to collections in my credit report. My score is 23 points lower. I in writing clearly explained to the collection agency and requested a contract signed by me re : these debts. I have been damaged/harmed by their actions during the Covid Pandemic! I have been denied access to needed assistance due to these collections, that are erroneous. This is a malicious collection agency and I am researching resources with the Attorney Generals office as well. I kindly requested complete removal of these collections on countless occasions! I asked them kindly to please remove them, as we are in unprecedented times and all resources are needed.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are 2 fraudulent Collections on My Credit Report that are still reporting. They are LVNV Funding, and XXXX XXXX. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXistrict of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A