Date Received: 2019-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019 a letter was sent to me from XXXX XXXX, XXXX regarding a debt that is owed to XXXX Funding/ XXXX XXXX XXXX, XXXX. I proceeded to contact XXXX Funding through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX XXXX credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A few years back I was contacted by this collection company LVNV funding XXXX XXXX XXXX XXXX SC XXXX, representing XXXX XXXX. I had settled this account and paid everything that I supposed to pay. I made an agreement with this agency. Any agreement the agency promise not to report anything negative on my credit report and to remove anything, and everything off my credit report In regards to this matter as long as I paid. This was an agreement between just collection agency and myself. However, I notice on my credit report recently that it was still present and showing that the account was still open. When basically it was pay to delete the information. Next thing was is that this should have never been on my credit report from the very beginning. Because agreement was reached with XXXX XXXX back then. XXXX XXXX didn't return after they made an agreement with me, and I paid them they turn this matter over to the collection agency. So I feel like I got betrayed by both of these companies, and both of these companies took advantage of me. I am trying to get these removed off my credit report immediately.. Below is my information back then, before I relocated out of state. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey XXXX, telephone XXXX.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have asked for validation from this account on my credit report and LVNV did not follow the FDCPA laws. LVNV is a third party company and need to follow the FDCPA laws not the FCRA laws. The FDCPA definition is : The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. This is the letter that I sent to LVNV : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. I did not receive the information I requested.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was settled and paif through XXXX XXXX and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
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 have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XXXX XXXX. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by LVNV Funding on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was previously using XXXX XXXX XXXX to help clean and correct my credit. They were sending letters on my behalf that I was unable to view prior. As of XXXX I have been the sole communicator in regards to the collection agency. I have repeatedly ask that send me documents doing a complete verification of the said debt. I have specifically asked for the orginal contract signed ( as the debt has been sold to another collection agency. Both are reporting the same debt ) I am also asking for clarification on how they came to the specific amount owed. Neither company has sent me the requested documentation. Instead the current collection agency just keeps sending me the same document saying that they are not going to respond even though they have yet to send me the documents in question that I have asked for several times. The orginal company that the debt started with is not even bothered to respond to any letters sent.
Company Response:
State: TX
Zip: 76012
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding has been trying to collect on alleged debt. I have sent letters and requested information. That no one with first hand knowledge has been able to answer. Yet, LVNV Funding keeps popping this alleged debt around from one collector to another. Resurgent capital services, seems to be one of their favorites. With doing so I believe they are hoping Ill drop the ball and not dispute. This has been happening for months. This might be border line illegal tactics to use.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received letter on or about XX/XX/2017 from Resurgent Capital Services whom was collecting on behalf of LVNV Funding LLC a debt buyer. A validation of debt was mailed on XX/XX/2017 and received on XX/XX/2017 requesting a validation of debt that included that agency provide the following : original signed contract to verify my signature notice of the right to collect on the debt amount of the debt amount paid if debt purchased original creditor address of original creditor The only information that was provided to me was a print out from the collection agency system that says Account Summary. Written request was sent multiple times requesting the above following information without any response. The collection agency LVN Funding continues to report to the credit bureaus and a dispute has been sent to the credit bureaus with a notification of validation of debt verified. Letters were sent with copies of the Print out sent by the collection agency nothing from the original creditors but the agencies fail to remove the negative incorrect unverified information.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this XXXX XXXX Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. This account needs to be removed from my credit files immediately.
Company Response:
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2019-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Hi, my name is XXXX XXXX. So, I noticed on my credit report on, or around about XXXX. That an negative action was on my credit report. I think it was from another agency. Then I realized that is was XXXX collection agency. I've never had a contract. or dealings with this agency. Just recently, after checking my report. Another company XXXX XXXX reported on my report as well! Again I don't have contract, with these 2 agencies! I have call both credit agencies on this matter. They instructed me to contact both companies directly. I did so as of XX/XX/XXXX and XX/XX/XXXX. They both were very aggressive and rude. Telling me that these were my debts and I had to pay them. I disputed these several times. Always coming back as verified. I'm so exhausted and frustrated with this matter. I've contacted both companies to provide me with proof of debt. They never sent any to date. If they can not provide proof of originals debts. To please remove from my credit report. In addition to stop all contact and reporting to credit agencies. I'm so grateful to have found this free amazing service. Please help me in this stressful matter. P. .S. The amount for XXXX is : {$160.00} & XXXX XXXX _ {$740.00} Thanks XXXX XXXX
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A