Date Received: 2020-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Back in XXXX of 2020, I sent a letter requesting more and certain info about this debt. The company did not send all info requested. I sent another letter in XX/XX/2020 requesting this info again and stated that if not received within 30 days, they must remove from my credit report. They never responded and I filed a dispute on XXXX and they did not even look at the letter I sent them nor did they remove the mark.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was told that it would be considered paid off.
Company Response:
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: not my account never had a account with NVLV
Company Response:
State: WI
Zip: 54220
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I made a settlement with lvnv funding llc and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding has been report information on my credit reports ; I never signed a contract with this company or gave written permission to have my personal and private information. Due to this company reporting this information and contacting me they have violated my federally protected consumer rights. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit and saw an account from LVNV for XXXX for {$58.00}. I never received notice to dispute this debt.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC amount owe {$830.00} Not My Debt Called Company directly to dispute XX/XX/2020 company still hasn't responded or remove/delete from my credit file
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: company will not let me pay the {$500.00} which should be the amount of this debt. I tried multiple times to pay the debt but LVNN is charging XXXX which is more than owed.
Company Response:
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A