Date Received: 2019-11-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XX/XX/1984 last four of ss # XXXX I am writing because after several DISPUTES i have finally been granted REMOVAL of an account from XXXX and XXXX. I am writing because this account is still appearing on my XXXX file and I would like it to be REMOVED as well. I want my credit file to reflect accurate information and if the dispute process yielded results to DELETE the account, I would like for this LVNV account to be removed from my XXXX file. XXXX XXXX
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I pulled my credit report and noticed there was a collections account from LVNV Funding. On XX/XX/19, I sent a letter to this collection agency asking if they could validate the debt. They did not respond. Instead I received a letter from Resurgent Capital Services dated XX/XX/19 stating they are a collection agency collecting on behalf of LVNV Funding. I then sent Resurgent Capital Services a letter on XX/XX/19 asking them how could a debt collection agency be collecting on behalf of another collection agency and to validate the debt. I also sent another letter to LVNV Funding once again asking them to validate the debt. On XX/XX/19, I received a letter from Resurgent Captial Services stating after their investigation they are closing my account ; however, as of XX/XX/19, I still have not received a response from LVNV Funding and the account is still listed on my credit report ( XXXX ). I sent my final letter to LVNV Funding today XX/XX/19 and is asking CFPB to help me with this matter.
Company Response:
State: VA
Zip: 23504
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i.am the president of XXXX XXXX XXXX XXXX corporation. here are the fact a Limited Liability company is a corporate structure in the untied state. where by the owners are not personally Liable for company debts '' limited Liability companies are hybrid entities that company. the charactenstics of a corporation with those of a partnership of sole proprietorship as of XX/XX/2019. are not responsible for debt of the company. unless it there is a personals Guarantee ''. created in that state there are Law state that a business owner not be Legally forced to used there personals money to pay corporation debt mere fact that the debt is only XXXX and we will pay the debt : the client only want the bank XXXX XXXX to validation. We do not believe that the invoice is XXXX why would a bank turn over a invoice with a balance that so small.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 2 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS OR BE SUED
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern : Can you looked into this matter, I wrote this company a letter LVNV a FUNDING LLC. XXXX XXXX XXXX XXXX. File No. # XXXX. This company are not on my credit reports, I dont know were this amount {$1900.00} is coming from. Please look into this matter. Thank you for your time and consideration.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I don't remember the exact dates but my credit limit was XXXX i had attempted to pay XXXX to my credit card but they kept charging a card that i didn't have and when i tried to dispute it with them so they charged the right debit card they shut my card off and then added all these fees i don't owe i tried to pay off my card they refused to work with me and closed my credit card acct with them so i am disputing that i do not owe them almost XXXX they wrongfully closed my acct
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV funding is trying to collect of XXXX of which i don't owe. I've never done business with this company nor do i have any contracts with my signature on any of their company letterheads.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 Dear CFPB company LVNV Funding LLC place a collection on my bureau that is a result of identity theft and has been resolved. I am contacting you to have them please send me a deletion letter and also have that negative trade-in deleted from my all credit reporting agency XXXX.XX/XX/2019. There is no account number listed and everything they are reporting is inaccurate. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX LVNV Funding LLC Fraud Department or Billing Department XXXX XXXX XXXX XXXX SC RE : Negative Collection Account Dear Sir or Madam : I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report with all items that I dispute. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I suggest you advise who you purchased this account from the actions I am taking. Enclosed are copies of FTC Identity theft report, XXXX Police Report supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate, and delete the disputed item ( s ) as soon as possible. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ) Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft and the deleting of this information from all credit reporting agencies. Notice to furnishers and requisition a deletion letter for the CRAs to delete. Sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Early year 2019 to present I've been working disputing an item on my credit report that I have no knowledge of ever having. I have asked for specific documentation, validating my signature that I owe this debt to this collection agency. Each time on their response they have failed to provide supporting documentation to me as requested and illegal marks my credit report as verified information which has not been verified.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A