Date Received: 2017-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly requested documentation for this alleged debt from LVNV Funding, but they do not respond. I do not have any record of this debt, although LVNV shows it as being from a period where my ability to manage my finances was reduced due to illness. I have offered to pay the full {$430.00} just to have it removed from my credit report, but LVNV does not respond to my offer. I am attempting to purchase a home and this entry by LVNV significantly impacts my credit score and my mortgage search.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2017 I disputed a unknown collection on my credit report with the 3 credit bureaus. Two weeks later the debt came back verified. I then mailed a letter to XXXX XXXX asking them to validate the debt. Asking for proof they own the debt, proof they are licensed to collect in my state, and the original aggreement showing I have an account with them showing my signature for the {$2200.00} collection on my credit report. They sent me a one page computer generated statement. I then redisputed the collection again with the credit bureaus, and they again verified the debt.
Company Response:
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING c/o RESURGENT CAPITAL SERVICES placed a {$170.00} collection on my 3 credit bureau reports dated XXXX XXXX, 2015 for an account I never received dunning correspondence about. In addition, the original account is past the statute of limitations ( XXXX ). I have complained with the BBB and filed disputes with the credit bureaus as well and would request that this " ACCOUNT '' be " CLOSED '' and REMOVED from all 3 credit reports.
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
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: LVNV Funding LLC has listed a {$820.00} collection to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report. They failed to do that, sending me the letter on XXXX XXXX 2017, without my signature on it, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. They have also put a wrong name, since my name is XXXX XXXX XXXX and they are reporting XXXX XXXX which is not my name and it is not my debt.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV Funding LLC has listed as an {$460.00} collection on to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report. They failed to do that, sending me the letter on XXXX XXXX 2017, without my signature, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter Cass from XXXX .
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/XXXX, I received, from XXXX, XXXX, XXXX XXXX XXXX, XXXX, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was XXXX years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only XXXX years old in XX/XX/XXXX.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Using CFPB I sent a letter for the company to validate debt in my name on XXXX XXXX,2017. I asked for company verifying information and information that show I have to do business with the company. They only sent statements and information that they purchase debt in my name. That does not show I am obligated to do business with them. They are also reporting negative information on my credit report, without giving me the opportunity to dispute. I do n't know if I am suppose to to pay the dept and they are already putting negative information on me without setting the dispute first.
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i sent a letter to lvnv funding on XXXX-17 and didnt receive documentation of accounts. the a fdcpa violation
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have been communicating w this firm For a while they were notified that my mom XXXX XXXX passed away X/XX/17 the original creditor has copies of her death certificate. They sent summonses and then later after I spoke w them and told them she passed I was sent a letter of discontinuance in the mail. And was told no further communication would follow and that was it. Today I got a letter in the mail that the lawsuit was filed against my mom in XXXX civil Court
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: As a result of using a fraudulent credit consolidation company, ( XXXX XXXX ), My Credit Score dropped and accounts became delinquent. Lack of resources caused my vehical used as collateral, was repossessed, sold, and a balance was due, it was then charged off by original creditor. Thus happened in XXXX. I went through the proper channels and procedures through XXXX XXXX over many months in XXXX, Contacting the debt collection agency who currently had my account to verify facts about the debt. Two letters were sent with no reply, I submitted a complaint through XXXX XXXX with no resolution to the unfair practice of not receiving any reply to my requests from Lvnv Funding for the account that is for XXXX, it is also being reported by previous debt collector 12 XXXX XXXX as an open account. please help,
Company Response:
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A