Date Received: 2020-06-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX has two collections on my credit report. I have submitted to complaints with XXXX who havent taken action to investigate beyond the company just replying its accurate. However, I have never dealt with this company. The credit report shows them as a debt buyer who acquired this debt from XXXX XXXX XXXX XXXX XXXX. I have never dealt with XXXX XXXX XXXX. I have received no notification of this debt until its showed up on my credit report in collections. I dont know anything about LVNV. They may be a scam company that buys extremely old written off debts and then tries to collect by damaging the credit of people without their knowledge. I want this collection removed from my credit report.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been recently been going over my credit report and finding things that do not belong to me. I just recently started checking my reports because my info was compromised in the XXXX data breach. Every time I have sent out for this company to send me proof this is my account by sending me any contracts or agreements they have bearing my signature they send me an old bill from the original creditor stating this is there proof to validate my account being mine. I haven't gotten anywhere with XX/XX/XXXXhaving them get me the proof validating the account to be mine, XX/XX/XXXXcontiues to say the account is mine. If there getting the same " validation paperwork '' to prove the account is mine then they are reporting bad and wrong information about me on my credit report. I started sending out the disputes to this company since XX/XX/XXXX I would like you to see into this for me, I want to see a contract bearing my signature or delete it please.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: After advising XXXX, of my financial situation when my son went into XXXX XXXX and asked if I could extend the life of my loan until I went back to work and they advised that I could. Two weeks later they took over {$300.00} out of my account and the following week another payment over {$300.00}. I called and explained the issue and was told it wasn't noted and it wasn't anything they could do. Fast forward a few weeks from that conversation in 2019, they placed me in collection with the incorrect amount.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: LVNV Funding LLC sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX on XX/XX/2020, to XXXX on XX/XX/2020 and to XXXX on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from XXXX XXXX via email for the same account, and letters from Resurgent Capital Services.
Company Response:
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I receive collection notice from LVNV FUNDING LLC in which i have never done business the original creditors is listed has XXXX XXXX XXXX which i have never done business has well i receive a letter from lvnv funding llc with copy of bill from XXXX XXXX XXXX which does not validated a copy of bill does not substantiate debt
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV funding has continued to update this collection account, as well as recently " closed '' the account, but they are also still showing a balance. " On my XXXX report they reported they closed the account on XX/XX/28, but also is still reporting a balance. They have also used 2 different collection agencies to send me letters in an attempt to collect the debt. And on the bottom of both letters it reads, " LVNV can not report this debt to any credit bureau ''. They were successfully removed from XXXX due to incorrect information. However they still remain on my XXXX and XXXX. They have referred this account to another collection agency that is sending me letters. Attached is the letter
Company Response:
State: FL
Zip: 34234
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owed a debt to XXXX XXXX XXXX. That debt was sold to LVNV Funding LLC who assigned to XXXX XXXX XXXX who sent me a letter offering a settlement amount if I paid in one lump sum. I paid them {$180.00} on XX/XX/XXXX. Almost a month later I noticed the debt was not removed from my credit report. I called XXXX XXXX on XX/XX/XXXX who said it takes time which is totally not true as I have made settlement payments in the past and the account was immediately removed from my credit report. So they told me to call LVNV which I did. When I finally got someone on the line she said that I had issued a no contact via phone or mail and was informed that I would have to lift that. I already know that was fishing. Since the account was paid there was no need to lift the no contact. They wanted me to do that so they could keep harassing me. Since they took my payment and didn't close my account they can now close my account or refund me the {$180.00} otherwise I will dispute the charge with my bank and the charge reversed. Their choice. My bank don't take too kindly to people trying to rip me off. I have already gotten payments reversed with this bank that I was told couldn't be reversed. This company played with the wrong one as I have been trained as a XXXX so I know exactly what they are and aren't allowed to do. It doesn't take time to close an account, It only takes time because they falsely represented that they were authorized to accept settlement payment. That is against the law. They will either close the account or refund my money. I ain't playing games with them.
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2020 I received an alert from XXXX of a collection account on my credit report. After opening my report I found out that LVNV Funding LLC has reported this collection of {$250.00}. I did not receive any communication from this agency in regards to this account. Neither I did any business with the merchant mentioned in the account. I reached out to the collection agency asking them to provide me any validation and they said they do not have any documentation and have not reported any information to the credit Bureau but still wanted me to pay them. I requested them to delete the incorrect information from my credit file but now they have this on other Credit Bureau as well damaging my credit. They are using unfair tactics to collect on a account which I don't have any knowledge and haven't provided me with any validation of the debt giving me an opportunity to confirm or dispute the account.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint. I have been a victim of identity thief. I have requested certain documents from said company as outlined in the attached document. I have also attached my identity thief report filed with the police from XX/XX/2019. Please remove these enormous inquiries from my credit reports. My FCRA rights are being violated.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A