Date Received: 2020-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV IS A DEBT BUYER THAT HAS DAMAGED MY CREDIT WORTHINESS THROUGH IMPERMISSIBLE PULLS BASED ON THE ASSUMPTION THAT THEY ARE CREDITORS AND ARE NOT. IN VIOLATION OF THE FCRA AND FDCPA THEY ARE USING FRAUDS AND SWINDLES THROUGH IDENTITY THEFT AND CONSUMER FRAUD TO ENRICH THEMSELVES UNJUSTLY AT MY EXPENSE. I ASKED THEM TO SHOW THE VALIDITY OF THEIR CLAIM AND THEY HAVE REFUSED TO DO SO AND SO ARE PERSISTENT IN THEIR FRAUD.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This account have been recently investigated, closed, and deleted from my XXXX and XXXX credit report. I would like for this account to be deleted from my XXXX credit report. Inaccurate information is hurting my credit profile and by law I would like for this account to be deleted immediately please.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed a collection account on my report numerous times over the period of at least 8 years. The company reporting the account has no information or accurate records that the account is mine and fails to remove the account. They also continue to readjust the date the information was " opened '' on my account. Not only is the information incorrect, the account is not mine, they can't prove it and never have, but it should have been removed from my report a couple years ago but they keep reporting it. When I have disputed it and they have sent a copy of their " proof '', all they send is a one sheet " account summary '' that doesn't show any proof that the account is mine. No signature of mine, no proof of any kind that the account ownership is mine. I am using this as a last XXXX attempt to have the information cleared from my account before taking this matter to the courts for violations of the FCRA.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding XXXX XXXX XXXXXXXX XXXX SC XXXX Acct # XXXX Reporting to XXXX {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and LVNV Funding with my signature, then this must by law come off my credit. Ive written over 15 letters.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I recieved my first email from LVNV on XX/XX/2020 requesting attention be given to a credit card account that I was unable to pay due to being unemployed. I remember thinking, how unprofessional it was to request payment be made for a debt at the very time COVID had started to affect employment, causing employers to shut down and stay in place orders were in place. At that time I was recieving only Welfare as income and food stamps as food. LVNV continued to contact via email at least once a week to place their payment before the immediate needs of what the pandemic had already caused. Statements such as Fullfill your obligation, resolve your responsibility, if you take care of matters now, then you can get back to what matters, just to name a few. The following is a list of dates this year 2020, that I recieved emails into my personal email account from LVNV, from the very first to current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have all emails sent from company and can forward if needed. Initial person of contact was XXXX XXXX, the XXXX XXXX, now its been consistently XXXX XXXX. I jus strongly feel this company have been extremely inappropriate to contact as much and say the things they do to collect a credit card debt when the main global concern at this time is COVID-19 deaths and continued loss of employment opportunities.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Months have gone by since i disputed this debt with LVNV Funding, LLC that they purchased from XXXX XXXX XXXX. XXXX XXXX XXXX launched an investigation and it was concluded that this {$460.00} does not belong to me. I forwarded this letter to LVNV Funding, LLC MULTIPLE TIMES, however, they refuse to remove this debt from my credit report. Noone has contacted XXXX XXXX XXXX via the letter i forwarded to them. I want this removed from my Credit reports ASAP!!
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: What happened was I recently started taking a look at my credit reports after being denied credit and I am concerned to find an account reporting incorrectly by LVNV FUNDING LLC. I sent multiply letters to them regarding this issue telling them that this information is invalid in the amount of {$1000.00}.
Company Response:
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX child case. Some of my name 's showing are wrong. Derogatory marks from a bank
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a second complaint on another issue with the same account. In the first complaint I had expressed that I was being over charged interest which is true but nothing was done by either the attorneys office or the collections company there is a second complaint that I would like to present is on XX/XX/2010 a civil judgement was granted for a credit card in the amount of XXXX who was owned by XXXX XXXX XXXX and this judgement was a default judgement because I did not go to court to defend myself I have went to the XXXX district court in XXXX XXXX Michigan and there I had ordered and paid for a copy of the file on the debt in question after going through each and every page of what was filed with the court back in XX/XX/2010 there is no loan documents showing that I owe this debt so the court turns a blind eye and stamps a judgement with out proper documentation I call resurgent and have asked for a print out of what they believe I owe and am yet to recieve any documentation on this debt, the attorney 's office who is now handling the account says that it takes complaints very serously so do they have any documentation on this account I am asking for proof that I owe this account and that proof is not a default judgement that I am asking for I would like proper documentation that I owe this account I have attached the proof that was submitted to the court in order to get this judgement, a bill of sale from XXXX XXXX XXXX with no account number or amount on it, a statement of account which is a blank piece of paper with numbers created by someone I'm not sure who, an Affidavit saying I owe this account by someone I don't even know from an attorneys office XXXX XXXX XXXX XXXX XXXX which is now being handled by XXXX XXXX XXXX. Now my complaint is very serious I have a collection company and an attorneys office with a garnishment on my wages my tax return from the state of Michigan was garnished by Resurgent I am asking for proof that this money is owed and that's why I am bringing this in front of the Consumer Financial protections Beauru these company 's need to be exposed for not following the law and providing the courts proper documentation of the debt these collection companies prey on people who don't show up to the courtroom for various reasons and get a judgement from a court who turns blind eye to not having the proper documentation.
Company Response:
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by CACH collections in the month of XXXX stating I owed an OLD loan debt in the amount of {$11000.00}. I told them I had no idea what this was about and to provide me with the original paperwork for this loan and all other original paperwork. They refused to provide that info and stated to me that they don't have to give me the original paperwork, they only have to give me their invoice/bill. They stated to me that is was a debt from XXXX which is VERY OLD. I expressly told them that I have never taken out any type of loans on my report and nor did I have any collections on any of my credit reports. a month after talking to them, CACH collection placed this collection account on my credit report. on XX/XX/XXXX, I spoke to them again and they refuse to provide any help or the original paperwork that I have been requesting. By law, any collection company has to provide the original paperwork to show proof of ownership.
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A