Date Received: 2019-10-25
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Lnv funding sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served XXXX XXXX and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with dairy farmers of America and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company
Company Response:
State: CO
Zip: 807XX
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-25
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Company mailed letter asking for me to settle debt. I am on XXXX benefits from the VA and social security. Also letters have been mailed to me via incorrect address, therefore involving a third party.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc report
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had a {$3700.00} loan with XXXX XXXX XXXX, at the time I was going through a divorce and could not make payments. This was turned into CACH credit, assuming sold to the CACH. I had a court hearing XX/XX/XXXX, in which CACH accepted {$500.00} to settle. My attorney gave CACH a check and I thought that was the end. In XXXX I went to purchase a home, yet this CACH was still on my credit report!! I contacted my attorney ( XXXX XXXX ) who contacted CACH and we found out that they never cashed the check, through my bank!!! My attorney explained that I was trying to purchase a home and this was effecting my credit. CACHs attorney that was handling my case had quit, yet I worked with XXXX ( credit repair ) to try to take care of this, they wrote CACH a letter, then the letter was mailed back to my residence!! This still sits on my credit report as I tried to take care of this legally and with a credit repair. How and why is this fair to me???? I do not know what to do???
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: So I received my credit profile 's from XXXX & XXXX which both include 2 collection account 's placed with LVNV. I sent them a debt validation letter which I never received a response. So last week I contacted them via phone, explaining how I requested proof of the debt. They informed me it was a cease & desist on the account to speak with me I need to allow them to remove it. So I proceed & explained how I would like proof this is a valid debt if not I would file a police report at my local police station, regarding these accounts. Credit one the orginal creditor deleted their reporting I do not understand the issue with the collection agency. lvnv Funding Llc Opened XX/XX/XXXX {$920.00} Original creditor : XXXX XXXX Lvnv Funding Llc Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX N A Dear Sir / Madam, I have recently disputed a derogatory mark for collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication stating I was the consumer and without my knowledge or any form of initial communication this debt was also added to my credit report. The notice was not received in the allotted time given by the FDCPA for me to dispute or validate this alleged debt. For this reason I have no information on account number or file numbers. I am disputing the validity of this entire debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment to/toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector The date ; in which LVNV Funding, LLC made initial contact with me about my debt. ( The initial phone call and written notice. ) FDCPA Sec. 809. ( a ) Notice of debt ; contents The current balance of debt. This is not an acceptance nor acknowledgment of this debt. Note that these are the rights given to me by the Fair Debt Collection Practices Act which allow me to dispute and validate my debts. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b ) Thank you
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account XXXX is being reported twice on XXXX and XXXX as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.
Company Response:
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX card sent me a letter stating i owed them money up in till they sent me the letter i have never even heard of XXXX XXXX XXXX call and told them i have never had nor do i wont one of there cards the account was sold to XXXX XXXX i have asked them for validation more than once and nothing from them ( XXXX XXXX XXXX ) now onXX/XX/2019 i get a letter from resurgent capital services in XXXX MI that they bought the debit from XXXX i sent a validation letter out to them the same day mind you XXXX XXXX XXXX and XXXX XXXX and now resurgent capital services are all 3 are reporting on my credit report as owning the debit
Company Response:
State: TN
Zip: 38583
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Resurgent Capital Services XXXX XXXX, 2019 Amount : {$470.00} Company is a third party that bought an alledge debt from XXXX XXXX. Company had place a debt collection derogatory remark on my record
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There is an unknown and unverified debt reporting on my credit report with all 3 credit bureaus. The collection compnay shows lvnc funding llc c/o resurgent. The address for that company shows XXXX XXXX XXXX XXXX, SC XXXX. The collection amount is showing {$96.00}. I have ever done any business with this company. I have reached out to the company by letter. On XX/XX/2019 a mailed a credit validation demand letter to try to obtain information as to why its reporting or where this debt originated from. I sent the company a priority letter with signature requested and a certified letter. Both letters have tracking. The priority letter with signature was delivered to the address above on XX/XX/2019 at XXXX. This letter has not been picked up from the post office. I also show the certified letter was delivered but on XXXX XXXX at XXXX. The company has not responded or provided me with any proof or documentation that this debt belongs to me. Both letters stated the company had 30 days from the receipt date to respond. I have received no response. In addition the letter stated until the requested information was sent validating I owe this debt, all collections needed to cease and desist. On XX/XX/2019, when I reviewed my credit report, I showed the company still continued to report the debt after receiving my letter. I do believe the letter, that needed signature has not been retrieved/ignored, as a deceptive tactic to continue reporting and trying collect on a debt. The reason why the company received the demand validation letter, is because i never received a letter from the company and the inaccuracy is damaging my credit.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV FUNDING LLC has been been contacted numerous times, 6 to be exact, over the last 3 years regarding requests to verify two debt amounts they purchased after they were bought from a previous creditor, just before the statute of limitations would have made these debts unable to pursue. The debt amounts listed on my credit report are {$900.00} for XXXX XXXX XXXX and {$590.00} for XXXX XXXX. I have sent a total of 6 letters requesting verification of these accounts and have placed multiple calls, the last being Monday XX/XX/2019. At no time have I been contacted by this company regarding these accounts despite the fact they continue to update and claim the debts are still owed. During phone conversations, verification of debts owed are promised but never received. I am always told that the information regarding specific dates are not readily available to be given on the phone and would be included in the verification of debt they would send to me. Again, no letters have ever been received. These debts are past the statute of limitations for collections and have been disputed through XXXX and XXXX multiple times. However the creditor continues to provide false information to keep these debts on my report, severely damaging my credit score.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A