Date Received: 2020-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i paid off the balance of this credit card however it was still sent to collections
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My social security was stolen to open a fraudulent account in my name without my permission. I filed a Identity theft report and contacted XXXX XXXX XXXX and the credit bureaus. The account was removed from the credit report and the company XXXX XXXX XXXX sold the account to LVNV Funding. I have contact both parties to remove the fraudulent account from my XXXX credit report.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I first found out about this debt because a third party collector sent me a letter in the mail with no information just stating I owed lvnv funding {$1100.00} and they appreciate my {$10.00} payment in XXXX but they need me to pay the rest off. First off I never made a payment because I was completely unaware of any debt. Second I contacted the company that actually collects their debts, resurgent, because there is a collection account under lvnv funding on my credit report and I recieved an email saying they have no account for me. Yet I have a collection account on my credit from them. So they asked for an account number but I do not have one because I just found out I had anything on my credit from them but I do not know what it is even for let alone an account number.
Company Response:
State: TX
Zip: 76205
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
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: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The creditors LVNV FundingLLC, are harassing me about an extremely old debt which I do not owe, the debt is in the amount of {$3800.00} from XXXX XXXX XXXXXXXX. LVNV has not provided sufficient information for me to identify the debt. I never signed any agreement with LVNV Funding LLC. I do not owe this debt and it is over the New Jersey statute of limitations, and even if I did owe it it's passed the statute to be collected.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
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: 02740
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this account in full with XXXX XXXX in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with LVNV funding. I have tried numerous times to have this rectified by
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am filing this complaint against LVN FUNDING this company is purchasing and trying to collection on a account that has been disputed as Fraud with the original creditor Lvnv Funding Llc Opened XX/XX/2019 {$770.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX I have never had a credit card with XXXX XXXX XXXX this account that is reporting under my personal information is incorrect I am request this account be removed from all reporting bureaus
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXX I reached out to LVNV Funding LLC regarding the {$850.00} they say I owe they agreed to send me a full print out adding up to the amount listed. The statement they sent me was inaccurate. I reached out to them again spoke with a supervisor and disputed it over the phone with her and still no results but they continue to send the collection letters. this is really affecting my credit and life I cant get approved for anything with this hanging over my head.
Company Response:
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A