Date Received: 2017-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent numerous letters to LVNV Funding regarding an alleged debt of {$16000.00} on X/XX/2017, X/XX/2017, X/25/2017, X/XX/2017, X/XX/2017 and XX/24/2017 via certified mail. I have proof that they received these letters due to returned signatures from their company. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. when I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I need proof from XXXX that I owe XXXX I need validation
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2017-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting XXXX accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX- is suing me for {$730.00}. I attempted to log into their system to settle the debt. The system, would n't even recognize the account. I tried to find an email address to write them. I could not. Only a telephone number with a horrible automated system. On my credit report XXXX stated it is a " new '' credit and listed it as " new account '' this should be Illegal. I would gladly have been willing to settle with them, 1 ) attempted to contact me under the FCRA 2 ) Had my account accurately in the system 3 ) had an accurate amount of the balance in the card What can a person do, when a company, sue 's as first point of contact and makes it impossible to contact anyone at that company with a paper trail for court documentation? Please Please help ... .Every attorney wants more money than this sum and the Company Knows this.This is extortion and bullying tactics. Pay up, we violated the law, we know you ca n't fight this ... .Pay up.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a response from LVNV fundinXXXX, I never got a response from this collection agency until, I contacted CFPB. I 've asked for a resolution and as the company has only provided a bill, but not a copy off the contract according to the FCRA they have n't submitted anything validating the debt to LVNV. I 've asked for this verification and still to no avail has this happened. According also to the FCRA, a copy of the bill is n't validating a debt. A letter was submitted also to settle for a collection amount to XXXX XXXX. I 'm asking for your assistance in this matter, please assist with having LVNV provide complete verification as requested according to my rights under the FCRA. I would greatly appreciate it. I this ca n't be done I am asking that this be removed from all 3 credit bureaus until this debt can be validated and settled. In the letter submitted it stated that we are not admitting that this debt is owed. Please ask for a copy of the letter submitted to them as well.
Company Response:
State: AR
Zip: 72205
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing in regards to an account that was opened up without my knowledge through XXXX XXXX and has been reported to collections to all three credit bureaus. The account was sent to collections on XXXX XXXX, XXXX for the amount of {$490.00} through XXXX XXXX XXXX XXXX and I was unaware of its existence until applying for an auto loan in XXXX of XXXX. Since discovering the account being reported to the credit bureaus, I have contacted XXXX on several occasions trying to get further information but they have been unable to provide me any details beyond the name and address on the account. I was informed that the account in question was opened at a satellite or authorized retailer location and they were unable to access any further details regarding the account, so I have not been provided proof that I had opened an account with XXXX. The address provided for the account is not a location I ever resided but at the time the account was opened, I was living with a friend in the area and believe that someone gained access to my personal information without my knowledge and used it to open the account. I have requested XXXX XXXX remove the account from my name and to send information to the three credit bureaus to completely remove the account from my credit history, but they have refused any action without proof that I did not open the account. I have disputed with the credit bureaus but all disputes have been denied because the account meets FCRA requirements. This account being reported to collections to my credit is preventing me from purchasing a home and has hindered my ability to gain employment in several financial institutions to which I have applied. I would like this to be reviewed and to ensure that it does not have any future implications. I would like proof of ownership supplied by XXXX as soon as possible and, if it can not be provided, the account be removed from collections and from the XXXX accounts database so I do not have to fear any future collections actions on the account.
Company Response:
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a complaint against LVNV FUNDING LLC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-27
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: On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A