Date Received: 2019-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV Funding LLC added two derogatory mark against my credit report. This is a collections agency that I have no agreement with. After getting an alert that this collections agency had placed derogatory marks on my credit report, I wrote them a letter to dispute said debt. I have yet to receive the letter from them stating, confirming and validating said debt. The letter was written to LVNV Funding LLC in XXXX of this year. We are now in the month of XXXX heading for XXXX. And yet I wait. I never received any correspondence from them. I only knew that they placed a derogatory mark on my credit report when I got the alert from XXXX XXXX. They did it for two separate accounts.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to Sherman Originator on XX/XX/XXXX. Yet LVNV lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that LVNV has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. It must also be noted that in the letter forwarded by the companies XXXX XXXX and LVNV deliberately withheld information regarding the amount that the account was sold to Sherman Originator LLC for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that LVNV is claiming to be owed. The fact that LVNV is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2018 I was marked for {$620.00} on an account I had no involvement with I never opened an account and have been wrongfully marked for something I never had open
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been trying to resolve a adledged debt on my credt report that was assigned to LVNV Funding LLC/Resurgentance. First I was never informed of the adledged debt before seeing it on my credit report. I then disputed it with all 3 credit beruaes, The only thing i got was from the credit beruae saying verified. I then wrote two letters to LVNV themselves with no response. I then sent a certified letter that was returned to me. My issue is other than no communicate is that they are reaging the adledged debt by reporting the date it was assigned to them and not the correct dates that it was opened and went into collections. I did get through on the phone once and they were extremely rude swearing at me and threatening me if I didn't resolve the issue right that moment. Very unprofessional, noresponses, incorrect information. Companies like this should not be aloud in business. People due fall on hard times but when trying to deal with it should at least be treated with respect and communications. Thank you!
Company Response:
State: PA
Zip: 167XX
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I saw on my credit report with a collections from a CACH LLC Resurgent Cap in the amount of XXXX with this acct XXXX I asked them for proof because Ive never had a loan with them nor a MasterCard on XX/XX/2015. Ive exhausted all ways to rectify the situation including asking for proof and again never received anything. So it sits on my credit report
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV Funding LLC continues to report on an account that has been paid off since XX/XX/2017.
Company Response:
State: TX
Zip: 78114
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: in XXXX of 2019 LVNV placed a collection account on my credit report without contacting me first to allow me the chance to dispute and request validation and substantiation. In XXXX of 2019 i requested Validation and substantiation from LVNV via certified mailed letter and they only responded telling me that i had the right to request substantiation but never provided me with the actual documentation that would prove they had the legal right to try and collect on this alleged debt. I sent my request certified mail and my dispute was not properly handled by the company. LVNV has also continued to report this debt as valid although they have failed to provide substantiation on several occasions via online disputes with the Credit Bureau, Specifically XXXX. Due to LVNV failing to provide the substantiation information i requested in XXXX this account needs to be deleted but the company refuses to delete it although they didn't provide appropriate documentation to me in time. This company also placed the collections on my credit without giving me time to dispute the alleged debt.
Company Response:
State: NY
Zip: 12020
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A