Date Received: 2019-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine
Company Response:
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been working with XXXX XXXX XXXX. According to there records, the current debt has been resolved. I believe the debt collector is opening this account again, so as to get money from me in an illegal manner. XXXX XXXX XXXX has settled this account, so how did LVNV FUNDING LLC get this account. This illegal account has caused my credit score to decrease by over 40 points. I have to pay an outrages interest rate on a new vehicle I purchased. I have done research on this company and found there are a lot of complaints, ranging from harassment to fraudulent credit reporting. The amount they claim I owe is {$3900.00}. Also according to their records my last payment date was XX/XX/19. I have not made this payment, which means XXXX XXXX XXXX could be the only way they recieved a payment. According to XXXX XXXX XXXX, if this is an accurate account then the debt is settled. I believe LVNV Funding is trying to get money from XXXXXXXX XXXX XXXX and from me. Would you please look into this and find what is actually going on?
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was reviewing my credit file and this company CACH/RESURGENTS is trying to collect {$440.00} from me and I have never had any dealings with this company and they are reporting late payments on my credit report from XX/XX/XXXX-XX/XX/XXXX. Please have them send me documentation of account opening and proof of me signing a contract with them which says I agreed to pay them {$440.00}. If I owe them this money, what did i receive or purchase for {$440.00} because I have no idea this account was opened in my name. I have no knowledge of this debt and do not owe them {$440.00}. Thank you,
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/2019 - sent letter as to verify debt and provide proof that they can collect the debt on behalf of the original creditor. XX/XX/2019 - received a letter stating that LVNV has initiated a review of the inquiry. **never received verification or proof to collect debt** XX/XX/2019 - sent the same letter again requesting verification and proof to collect debt. XX/XX/2019 - received a letter with a copy of a credit card statement which doesn't confirm they are legally obligated to collect the debt on behalf of the original creditor.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: CACH LLC sent me a letter today ( XX/XX/XXXX ) stating that they are going to garnish wages of mine from a bill that originated in XXXX. In the letter, which was not sent certified, I am told that XXXX XXXX from the company wants to garnish my wages for a medical bill that is nearly 13 years old. The letter has a date stamp of XX/XX/XXXX, yet the postmark shown on the envelope shows the letter was mailed to me on XX/XX/XXXX. There is no information showing what this bill is for ( although I was in a XXXX XXXX in XX/XX/XXXX, so I can only deduce that this is what this collection is about ). All of my medical bills from the XXXX XXXX were on my credit report for 7 years and after the seven years, the credit reports that were printed off showed that the judgement from this company had been written off. Now I am getting notice of a wage garnishment. I will be including copies of the information that CACH sent to me. Allegedly, the date of judgement was on XX/XX/XXXX. Since that time, the judgement does not show on any of my records. Initially there was a judgement on my record but it was removed after the statutes of limitations had expired. It had been listed as written off and was removed from my record. Nothing on my credit report shows a new judgement. You will note that the creditors claim shows that the date of the judgement was on XX/XX/XXXX ( which is not accurate if you view my personal records ) and says : Unpaid balance on judgement : {$3900.00} Unpaid post judgement interest : {$3400.00} Total amount owe3d by debtor : {$7400.00} This is rediculous. The judgement had already been written off, I am on state aid and when I found out that this judgement was written off, I didnt expect it to haunt me nearly 10 years later. The papers I got were not formally sent to me requesting a signature, nor have I been contacted by this company in years. I will be providing all of the information in the hopes that this will get resolved. If a company writes off a debt and a judgement is realeased and removed, there is no way that this should continue to follow me, and now they are trying to seek wage garnishment.
Company Response:
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: To whom it may concern : I have a collection account on my file from a collection agency named LVNV Funding LLC, my account number ends in XXXX. Please be advised that I am disputing this collection due to the fact that LVNV Funding LLC C/O resurgent Capital services P.O. XXXX XXXX, SC XXXX does not currently have a valid license in Illinois to collect on debts. This information is being stated on the XXXX website along with the Illinois XXXX XXXX XXXX website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that LVNV Funding LLC is licensed in Illinois to collect debt. Your immediate response will be greatly appreciated. Thank you.
Company Response:
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2019-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have an unverified account from LVNV Funding, LLC. I had previously disputed this account. I have never done business with LVNV Funding, LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV Funding, LLC provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LVNV Funding, LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: When i pulled my credit report i noticed LVNV Funding/ XXXX XXXX was on my credit report. XXXX XXXX sold the debt to LVNV Funding, but years ago i disputed this account with XXXX XXXX and asked them for proof of this being my debt, so they sent me a bill, which was not proof of allegations. Well, kind of dropped the ball on this but after pulling my credit this year i noticed XXXX XXXX had sold the debt to LVNV. I called LVNV disputing this bill once again. I told them this was fraudulent account and that XXXX XXXX had sold them a fraudulent debt. I was told to get a police report, so i did, which i supplied to them. Now their saying the police report wasnt good enough!! Help please!!
Company Response:
State: FL
Zip: 33830
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I used to have credit card with XXXX XXXX XXXX.but the interest was very hight and I filed for bankrupt, but they said their dept was not included, I started to pay them, but any time I made a payment, the amount did not reduce, I called them they said the money goes to the interest. Then I stopped.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A