Date Received: 2020-09-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by XXXX XXXX XXXX, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called XXXX XXXX XXXX. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. When addressing this with XXXX they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.
Company Response:
State: CO
Zip: 80031
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX of 2020, contacted LVNV Funding about a collection they have posted to my account in the amount of {$870.00}. Upon further research this account was transfered/ sold and I am no longer responsible for this account Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signiture for this accused debt at all. A bill without a a signture does not validate the debt and body can send a bill and say that it is mines. Accroding to the FCRA ( Fair Credit Reporting Act ) LVNV FUNDING has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Company Response:
State: CA
Zip: 91932
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
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'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had two accounts with resurgent capital, they are now paid, resurgent states that when the accounts are paid off, all trademarks will be removed, my two accounts XXXX and XXXX XXXX XXXX are listed as derogatory condition, I have contacted resurgent and they state that there is no such account. This is not true
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with XXXX, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) XXXX called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, XXXX kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " Resurgent '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX XXXX and never got received them, but XXXX just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.
Company Response:
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, This company LVNV Funding LLC continues to report to all 3 credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked LVNV Funding LLC to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with LVNV Funding LLC 1. ) {$1000.00}, shows opened on XX/XX/XXXX, 2. ) {$670.00} shows opened on XX/XX/XXXX, XXXX. ) {$4800.00} shows opened on XX/XX/XXXX, and 4. ) {$430.00} shoes opened on XX/XX/XXXX I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a fraudulent LVNV account reporting on my credit. I have sent in a police report, an FTC report and despite my assertation that this account is FRAUD, LVNV continues to report the account on my credit. This account DOESNT belong to me and I am requesting immediate removal of LVNV from my credit
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A debt was added to my credit report from LVNV FUNDING LLC, upon calling LVNV collection to validate the debt, I was told they cant validate the debt, I ask that this debt get deleted from my credit report, for the failure to provide proper validatiion
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A