Date Received: 2020-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have disputed this debt with the credit bureau and they said I owe it which results in the 2017 XXXX data breach the credit is name LVNV funding acct # XXXX
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company LVNV FUNDING LLC PURCHASED AN ACCOUNT FROM XXXX XXXXXXXX NOW THEY ARE CONSTANTLY SENDING LETTERS DEMANDING PAYMENT. i DO NOT HAVE A CONTRACT NOR DO LVNV HAVE A SIGNATURE FROM ME INDICATING ANY AGREEMENTS. I SENT LETTERS MONTHS AGO REQUESTING VERIFICATION OF THE DEBT THEY SAID I OWED THEM ALL I RECEIVED WAS A CREDIT CARD STATEMENT FROM XXXX XXXX I HAVE YET TO RECEIVE ANY VERIFICATION THAT I OWE LVNV LLC. I ALSO SENT CERTIFIED LETTERS TO ALL CREDIT BUREAUS THE COLLECTION WAS REMOVED AND PLACED BACK A MONTH LATER AND THE BALANCE IS STEADY INCREASING MAKING MY CREDIT SCORE DECREASE. I DO NOT OWE LVNV FUNDING AND I WANT THIS COLLECTION OFF MY REPORTS
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: TOOK NOTICE THAT SOME COMPANY BY THE NAE OF LVNV FUNDING PLACED AN ACCOUNT ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THIS COMPANY. NEVER RECEIVED ANY NOTICED FROM THEM AND THEY ARE SUPPOSEDLY COLLECTING ON BEHALF OF XXXX. I HAVE NOT HAD A XXXX ACCOUNT SINCE 2000. I CONTACTED XXXX AND THEY SAID NO THEY KNEW NOTHING OF THIS. SO APPARENTLY THIS COMPANY IS CREATING FALSE ACCOUNTS AND TRYING TO ROB CONSUMERS BY USING FAKE ACCOUNTS. THIS IS DISGUSTING.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a notice that a fraudulent account that was previously removed from my credit report was sold to a collections agency. I have been dealing with identity theft for the past 2 years. I was told that I can not have the item removed because the collections agency requested that the fraudulent item be reinserted. I have provided FTC and police reports as well as requesting the written documentation which I have not been provided with. I wish to file a formal complaint with company.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: IAW 15 USC 1692 I sent a Notice and Demand To Validate Debt Claim to LVNV Funding LLC. LVNV signed for this Certified Mail. LVNV Funding LLC did NOT respond within 30 days with the required information to validate that any actual debt exists.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: IAW 15 USC 1692 I sent a Notice and Demand to Validate Debt Claim to LVNV Funding LLC. I also filed a claim with XXXX. LVNV Funding LLC did NOT respond back within 30 days with the required information to validate that an actual debt exists. They did receive the notice and signed for it via Certified Mail.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX a debt collector has taken me to court over an account that is identity theft. I have requested the account number, details, and 609 fair credit act information and the company has fail to comply. I also was sued this past summer and the case was just reopened! The company has a reputation for harassment.
Company Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2020 A dispute regarding a charged off credit card account was received by way of certified mail by the company claiming the alleged debt yet LVNV Funding LLC fail to validate the debt which is a violation of my rights under the FCRA Section 611 Part ( A ) ( 1 ).
Company Response:
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is a result of fraud and identity theft. This account does not belong to me and was opened as a result of identity theft without my permission
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was contacted by XXXX XXXX XXXX, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.
Company Response:
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A