Date Received: 2020-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a cease and desist letter to LVNV funding LLC and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX funding they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done
Company Response:
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
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 filed two disputes with XXXX. 1. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX XXXX. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX The answers were the same for both : Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/2020. I explained that this company is not mine in my first dispute. Only reason I found out about this company was because I found it on my credit report. Later I received a letter from the company my account was actually sold to. They never reported on my credit account. XXXX XXXX verified this information for me. So, I filed another dispute with XXXX letting them know that this company should not be on credit report. They replied with the same result. Nothing is being done by them. I sent a letter to LVNV funding, that they do not have right to charge or report this false information on my credit report. Then I received a letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX telling me to send a payment of {$7700.00} on behalf of their " current credidor : LVNV Funding, LLC. I am replying to them disputing the notice they sent me. Please help me fix this. It is severely hurting my credit score.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received letters from LVNV Funding LLC regarding alleged credit card debt ( s ) owed that they wanted me to pay. I replied with letters I set to LVNV Funding LLC asking them to please document and verify the alleged debt. The letters I sent included multiple requests to verify the debt such as Furnish a copy of the original contract as well as the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. LVNV Funding LLC never verified this alleged debt. Would you please investigate this? Disputing the debt.
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Review attached documentation.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received written correspondence from three different collections companies over the past 4 years trying to collect on a Credit Card Debt. The debt has been sold Original Debtor Listed : XXXX XXXX XXXX XXXX XXXX 1st Collection Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2nd Collection Company XXXX XXXX , XXXX XXXX , MO XXXX Current Collection Company Resurgent Capital Services LVNV Funding LLc
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have a past XXXX bill that was OPENED in XXXX ... NOT XXXX the creditors are stating it was opened in XXXX of XXXX WHICH IT WAS NOT.. I been disputing to get them to update my credit report am XXXX XXXX I have XXXX XXXX XXXX in both ears I can not hear on the telephone or I would call the creditors and speak to them but unfortunately I cant cus I cant hear on phone..I am on limited income SSDI am due to the Corona Virus I am supporting family members cus they were layed off till they can get a job I only get XXXX a month I cant make the payments am trying my best to get my credit back in order I just recently payed off one credit card and am trying to contact XXXX to see if I can make payment arraignments but there not responding now that I payed off the last credit card I cant afford to pay no more then XXXX dollars a month I am aware I owe but I thought I would try my best on tying to dispute this And have it removed from my credit report because they listed the wrong info about when the XXXX account was opened I have documents to prove it it was open in XXXX its an old debt That I was unable to pay due to lay-off at the time and I know now how important it is to pay you bills on time an am learning through my past mistakes am am dealing with the conquences now On trying to better my credit and Now I know how important it is to have good credit I know now you cant get no where in life with out having that..The creditors have added comments On my credit report that it will be signed over to an attorney they marked it Dergotory am trying here ok can you please look it over on trying to delete this from my credit report due to wrong dates to when the account was opened.. Thank You XXXX XXXX
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable with this debt wiith XXXX, I do not have a contract with my signature on it with LVNV Funding LLC. Please remove the account immediately from my credit reports.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I notified this company about an item being reported on my credit report. I sent the attached letter asking them to please remove this item from all my credit reports. They have not responded. I would like then to remove this unknown account from my credit report.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A