Date Received: 2017-05-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: LVNV funding has been re aging a collection account, which is causing me a financial hardship and purposely defaming my financial history as well as, purposely causing my score to decrease. LVNV deletes the account from the credit reporting agencies then adds the collection account as if it is a new one. Directly causing my score to go down. A direct violation of my rights according to FTC.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On or about XXXX XXXX , XXXX , I noticed that a LVNV Funding LLC company had reported a derogatory mark on my XXXX and XXXX credit file. This is an unknown entity and I am not familiar with this company, nor have I done business with this agency in the past, however, this agency is reporting adverse information on my credit file, which is causing harm to my creditworthiness. This agency is associated with XXXX XXXX XXXX XXXX as my credit file reference XXXX XXXX as an original creditor in some form, however, I have no relationship with either organization. This company has never sent any information to validate this debt, or show evidence that I have any contracts, or outstanding debts with them whatsoever.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: FURNISHING FALSE REPORTS TO CREDIT BUREAU 'S
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: this company has been sending me several emails threatening to take me to court. The company at first starting stating they were XXXX XXXX XXXX then they stated they were XXXX XXXX and now they are stating they are LVNV f unding. This company is impersonating different companies per their emails. I do not have a contract with LVNV Funding or do I have a contract with XXXX . This company has not sent me any validating legal contract with my valid signature that I agreed to do business with them. this company is now showing on my credit report hindering me from establishing credit.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I 've disputed this account twice. Each time they have not deleted the account as requested but instead update the account as a new debt. Which harms my credit worthiness and character. I disputed the account in XXXX XXXX XXXX and again this year in XXXX . After the first dispute I received no reply from the company only and updated credit history with a negative reflection on my credit. After XXXX 's dispute they now send me a bill. The account does n't belong to me. Yet, they are asking me to pay XXXX . I do n't know if the company is Pinnacle or Resurgent as I have one company listed on my credit and the other sending the letters.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear XXXX XXXX XXXX : This is in regards to an account that was opened in my name around XXXX that I recently saw on my credit report and learned you are attempting to collect XXXX from me. I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing. Under law, you may only contact me once more to acknowledge that you have received this request. Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward these documents on for me to view. I expect to receive your confirmation that you have received this notice by XXXX / XX/XX/XXXX
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Lvnv recei ved an certified letter and received.
Company Response:
State: KY
Zip: 420XX
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi abo ut 5 y rs ago I contacted the original creditor XXXX XXXX , This account was an account open from Identity theft. XXXX XXXX closed the account. I have been living out of the country for several years. and I pulled my credit and saw it was fraud. The closed it and promised to remove it off my rep ort 5 yrs ago. I have Attached my utility bill to prove, I was living in XXXX from XXXX XXXX And I have made updated police reports when I had returned and saw even more Identity theft. Now in XXXX XXXX XXXX has sold the account to a collection agency, they put this account on my credit report and has been trying to collect XXXX on a Fraud account fro m 5 yrs ago. I did write a letter to the collection agency but I have not had a response. I would like to have this RE- Removed off my credit report.
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2017-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Since XXXX XXXX I have been trying to get a validation of debt From LVNV FUNDING, LLC on this account and I have n't received a response this negative error is preventing me from making big purchases
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2017-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please verify this account and please send me the original contract bearing my signature not a computer generated Bill or i temized statement
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A