Date Received: 2020-05-12
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: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello. I am sending this complaint through this portal because I believe this is the best option to get a fair solution to this issue. LVNV Funding is playing with my rights as a consumer. The account information is teh following : account # XXXX, opened date reported XX/XX/2019, original balance {$2300.00}. Here are some violations to the FCRA committed by LVNV : 1. Double reporting 2. Reporting an incorrect opening date 3. Unfair business practices This is causing me XXXX stress, and some other negative impacts on my health. Please send the attached documents to LVNV Funding. Thank you.
Company Response:
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX account was paid, settled in full and closed XX/XX/2019. This is my second request. It was showing late payments also after I had paid it off and the company closed it. It is now back on my credit report showing as a charge-off now. Which is negatively affecting my credit rating. Please help.
Company Response:
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted LVNV Funding LLC back in XX/XX/2020. The account was removed from XXXX XXXX. The account was sold to LVNV Funding LLC. This credit card was obtained fraudulently. LVNV Funding LLC has put the collection back onto my credit report as of today Monday XX/XX/2020. I would like this debt permanently removed from my name and removed from my credit report.
Company Response:
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
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 recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included LVNV Funding, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, XXXX, or XXXX has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or LVNV Funding has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV FUNDING IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XXXX 2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed this alleged debt that Resurgent Capital Services is trying to collect from me. They had 30 days to investigate. They refused to investigate my dispute because they stated that I'm dealing with a credit repair company. This is not so. I have a double XXXX in XXXX, I have worked in XXXX for over 35 years I'm more than qualified to write and dispute an alleged debt that does not belong to me. I'm making a last goodwill attempt to get this alleged debt deleted from my credit report. If the results are not agreeable to me I will be forwarding this to my attorney to sue for damages for defamation of character and other Consumer Fair Credit Report violations.
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A