Date Received: 2017-02-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: THIS COMPANY LVNV FUNDING # XXXX IS TRYING TO COLLECT A DEBT FOR XXXX THEY DOUBLED THE DEBT. I HAD CREDIT CARD PROTECTION WITH XXXX. I ASKED THEM FOR THE PROOF I OWE THE DEBT THEY REFUSE TO PROVIDE PROOF AND STATED THE CASE WAS CLOSED. I DISPUTED WITH XXXX AND XXXX. UNFORTUNATELY XXXX WAS THE ONLY XXXX THAT DID A THOROUGH INVESTIGATION AND REMOVED LVNV FUNDING FROM MY REPORT. A FRAUDULENT SC. BUSINESS WITH MANY XXXX BARRED FROM DOING BUSINESS IN THE STATE OF MD.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have repeated requested that they correct incorrect reporting on my credit report. They refuse to fix a reporting error on their part.
Company Response:
State: KS
Zip: 678XX
Submitted Via: Web
Date Sent: 2017-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: LVNV FUNDING LLC- is attempting to collect debt indicated on my credit report acct # XXXX, which it claims I owe {$490.00}. I have sent LVNV Funding two certified letters on XXXX/XXXX/16 ( received on XXXX/XXXX/16 ) and XXXX/XXXX/16 ( received on XXXX/XXXX/16 ), asking to validate the debt that it claimed against me. LVNV Funding failed to provide validation of debt and simply replied the debt is owed by me. Without validation of debt bearing my signature, I asked LVNV Funding to remove their derogatory remarks on all XXXX credit bureaus but they have failed to do so.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I do n't know about this debt
Company Response:
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2017-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: LVNV funding continues to try to collect a debt that 's not mine. I do not know where the account has come from. The debt on this account is for XXXX for XXXX. This debt has been previously removed before.
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2017-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Credit card protection / Debt protection
Subissue:
Consumer Complaint: lvnv funding has a collection against me that is past the statue of limitations and also has not responded to my request for a debt validation letter
Company Response:
State: CA
Zip: 93001
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-20
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer Complaint: I recently disputed the accounts listed in my credit file and they insist on replying verified to the following accounts which have been charged off and sold to collection agencies. XXXX Acc # XXXX has been sold to XXXX XXXX, XXXX XXXX Dispute Reason : " CONTRACT WAS CANCELLED '' COMMENTS : NO CONTRACT XXXX Acc # XXXX has been sold to LVNV Funding LLC XXXX XXXX XXXX Dispute Reason : " CONTRACT WAS CANCELLED '' COMMENTS : NO CONTRACT XX/XX/XXXX XXXX XXXX, XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do n't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. You say that you have reinvestigated these accounts but you 've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of XXXX ( a ) ( XXXX ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2017-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been a XXXX customer for the last 18 years and I have never been associated with any product or service from XXXX. I pulled a tri-merged report in XX/XX/2016 in order to require vital financing for my business. I was surprised to see a charge off/collection account being reported by a debt buyer - Pinnacle Credit Services - stating it was for a XXXX account in the amount of {$600.00}. This account was reporting on all three bureaus. On XX/XX/2016 a letter was drafted and mailed, via certified mail with return receipt and signed for on XX/XX/2016, stating : " This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' Full letter will be attached. Absolutely no response to this communication so a follow up letter was drafted on XX/XX/2016 and mailed, via certified mail with return receipt and signed for on XX/XX/2016 stating : " This letter is a follow up to my original letter dated XX/XX/2016 regarding an inaccuracy on my credit reports, regarding account # ****, which you claim I owe {$600.00}. Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. '' Full letter will be attached. Again XXXX communication from this collector. I did however, notice that the account had been removed from Equifax on XX/XX/2016 and from from XXXX and XXXX on XX/XX/2016. This was great news, but short lived. The company immediately re-inserted the account now as a new collector - Pinnacle, LLC/Resurgent, with a new address - no longer in XXXX, MA but XXXX, SC and a new account number. This was now showing as a new collection account and had a very dramatic negative impact on my profile, my ability to gain vital financing for my business, and ultimately my personal and family finances. This re-insertion was done unlawfully as the consumer was not notified within 5 days of the re-insertion to my report. I sent a re-insertion letter to Pinnacle and the XXXX bureaus to dispute the re-insertion and requested that they comply with the provisions of FCRA SOS 611, Procedure in case of disputed accuracy [ 15 U.S.C. SOS 1681i ] - Full letter will be attached As expected no response or communication from Pinnacle. The bureaus took it upon themselves to create disputes. The result of these disputes were that Pinnacle " verified '' to the bureaus the legitimacy of this account. I never received the documentation or information used for this verification. I was instructed to dispute with the Bureaus directly. I have done this and the bureaus continue to " verify '' the account as valid through Pinnacle. I have now asked multiple times for the documentation or information provided to the bureaus to validate the legitimacy of this account and to date have received nothing from Pinnacle and Equifax, Experian or Transunion have only provided statements like, " verified, " remains '', " updated '', etc. no evidence of validation. I find it a bit odd that I have had XXXX communication from Pinnacle in 10 months and yet the bureaus can continue to verify this account without providing any supporting information to the claims of the accounts validity. The lack of communication from Pinnacle has proven my suspicion that this is an erroneous and fraudulent attempt by a predatory collector to extort funds from consumers. There is a Pinnacle on the FTC XXXX XXXX List, is this them??!
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2017-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-18
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Did not provide me with any verification that this belongs to me. I have sent two letters to them with know response. I have sent a certified letter with return receipt. This was removed from my credit report and put back on as a new collection, according to the laws written they are in violation.
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid these people on an arrangement for an old XXXX XXXX bill last year. They marked the debt as " settled '' on both my XXXX and XXXX credit reports but they left it open as an active collections account on my XXXX report.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2017-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No