Date Received: 2019-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV sent a letter trying to collect on a debt. On the letter they say they would report the debt but they are reporting the debt to the credit bureaus.
Company Response:
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/19 I disputed the account LVNV Funding is reporting on my credit report with the 3 bureaus. I also initiated my own investigation with LVNV Funding requesting Validation of the debt. USPS Tracking XXXX XXXX XXXX XXXX XXXX. LVNV Funding only sent me a copy of a bill. This is not validation and since they can not provide proper validation this account needs to be deleted.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was told to send them a police report and a identity theft report from XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently got a lawsuit filed from a company called lvnv funding. I have never even heard of this company. I filed a request with the court asking that lvnv prove the bill was valid. They simply ignored my request and ruled in favor of lvnv and are working towards collecting. I feel my privacy rights may have been violated as well as the court in XXXX XXXX Indiana violating my rights to a fair trial by ignoring my request for proof I owe this company. I tried to take a screenshot of the court records but it would not let me. My contact information is XXXX. My phone number is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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 U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding is reporting a collection account on my credit report with account number XXXX that was for a XXXX XXXX account. I have disputed this account numerous times to get proper validation for it and they have refused to send me anything. Further, they are reporting me 120 days late on XXXX which I looked up and is a violation of their METRO-2 reporting per the CDIA guidelines. I attached a screenshot.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I Logged Into XXXX XXXX To Check My Credit Score And Found An Account That I Personally Did Not Open Nor Know Anything About ... It Was Opened In XXXX of 2016 and now has gone to collections ... The limit was {$300.00} But The Amount Owed Now Is {$560.00} ... The Account Creditor I Believe Is XXXX XXXX XXXX XXXX XXXX XXXX ... I Have Never Even Heard Of This Bank Before And I Am Not Aware Of This Account As I Know I Did Not Apply For Any Kind Of Credit In 2016 ... I Have Not Even Been Contacted Or Recieved Anything In The Mail About This Account Or That It Was Sent To Collections Or Anything Similar To These Actions ... Like I Said I Didnt Even Know Anything About This Until I Logged Into XXXX XXXX And Saw It On My Credit Score
Company Response:
State: WA
Zip: 99202
Submitted Via: Web
Date Sent: 2019-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to LVNV Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today XXXX XX/XX/XXXX ), LVNV Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. LVNV is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to LVNV and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. LVNV Funding is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. Sincerely, XXXX XXXX
Company Response:
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2019-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I reported incorrect information to the credit bureaus and they still have not rectified the situation with XXXX XXXX and LVNV funding are both on my credit report with the same account number Both companies can not be reporting with the same account number thats double jeopardy and both need to be removed because it violate my rights I've disputed this multiple times Ive called XXXX XXXX directly and spoke to multiple representatives that said XXXX XXXX will be taking off my credit report
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2019-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A