Reviews
75
Average
Response rate
0%
Resolution rate
0%
Anonymous
Lvnv funding brought an old debt. They didn't validate the debt to show me the original creditor the amount owed and proof that LVNV legally owns the debt.
Anonymous
I have protested several times that the debt is fraud as the amount listed and the address listed as well as several factors do not match the information on file. This is an erroneous attempt of balance billing and this is not owed on my behalf.
Anonymous
They say I owe this money but I do not I was part of the credit breach and I've had a lot of stuff just pop up on my credit and I have never been able to get the first thing
Anonymous
I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law, and that is what this company is doing.
Anonymous
Help my rights continue being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.
Anonymous
I previously submitted a written request for debt validation regarding the alleged account. However, the response I received was incomplete and failed to provide the documentation necessary to substantiate the alleged debt or the collector 's legal authority to collect it. To date, I have not received sufficient documentation demonstrating the validity of the alleged debt, the ownership of the account, or the basis for the amount claimed.
Anonymous
I submitted a written debt validation request to LVNV Funding LLC and Resurgent Capital Services requesting specific documentation concerning their collection of this account. The company responded ; however, its response consisted primarily of an internally prepared account summary, administrative correspondence, and a historical billing statement. The response did not specifically address several documentary requests contained in my validation letter. My concern is not that the company failed to respond. My concern is that it did not provide a document-specific response to the requests I made or explain whether the requested records exist or are unavailable. I respectfully request that the CFPB require LVNV Funding LLC and Resurgent Capital Services to provide a complete response addressing each outstanding documentary request individually or clearly state, in writing, if any requested document does not exist or is not within their possession, custody, or control. If they are unable to substantiate their collection activity or the information they have furnished with competent documentary evidence, I request that they take the appropriate corrective action regarding their collection efforts and any information furnished concerning this account.
Read full reviewAnonymous
The debt isnt mine. I didnt authorize this. Ive been disputing this for sometime. Just like with my other accounts. I filed police report and following the proper channels
Anonymous
The company began collection activity and reporting a debt that I dispute. I contacted the company requesting validation of the debt, including proof that I am responsible for the account, a full itemized breakdown of the balance, and documentation showing the original creditor and full chain of ownership. Despite my request, I did not receive adequate validation or supporting documentation. Instead, the company continued collection activity and/or credit reporting without resolving the dispute. I requested that the account be verified or removed until proper validation could be provided, but the issue remains unresolved. I am seeking full validation of the debt or removal of the account from my credit report if proper documentation can not be provided.
Read full reviewAnonymous
Transunion will not allow me to dispute account. If someone has your social security number they have a right to put anything on your credit.
Anonymous
I am requesting that this collection account be investigated and removed from my credit report. I dispute the accuracy and completeness of the information being reported by LVNV funding llc. I am requesting that LVNV funding provide competent evidence that they have the legal right to collect this debt and that all information being furnished to credit reporting agencies is accurate. If they can not verify the account in accordance with the fair credit reporting act, I request that it be deleted from all credit reporting agencies immediately.
Anonymous
I am responding to your recent communication regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act, I am requesting validation of this debt. This is not an acknowledgement that I owe the debt, nor is it a promise to pay.
Anonymous
I am filing a formal complaint regarding inaccurate and unverified information being reported on my credit file by LVNV Funding LLC. I have previously sent written requests for validation and correction of this account. I have not received any documentation proving that this account is accurate, belongs to me, or has been properly verified. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of disputed information. To date, the company has failed to provide any supporting documents, including a signed agreement, itemized statement, or proof of obligation. What I Am Requesting : * Immediate investigation of this account * Full deletion of this account from my credit report if it can not be properly verified * Written proof of validation, including original creditor documentation, contract, and complete account history Impact : This unverified account is negatively affecting my credit profile. I am requesting a fair resolution in accordance with federal consumer protection laws. I have made prior attempts to resolve this directly with the company, but no response or validation has been provided.
Read full reviewAnonymous
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt - including a signed agreement, full account history, and verification of your authority to collect - you must cease all collection efforts and remove the information from my credit report.
Anonymous
I am formally disputing this account because I do not believe it has been properly verified as belonging to me. I have previously requested that the debt collector provide documentation proving that I am legally responsible for this debt, including proof of ownership, a complete chain of assignment, and an original signed contract or agreement bearing my signature. To date, I have not received sufficient documentation establishing that this debt belongs to me. I have been the victim of identity theft in the past and therefore require proper verification before accepting responsibility for any alleged debt. Simply reporting that a debt exists is not proof that I entered into an agreement or that I am the individual responsible for the account. Under the Fair Credit Reporting Act, I am requesting that you conduct a reasonable investigation into this account and require the furnisher to provide competent evidence that the debt belongs to me. If the furnisher can not provide documentation proving ownership of the debt and my legal obligation to pay it, I request that this account be removed from my credit report as unverifiable information. Please provide the method of verification used during your investigation and the documentation relied upon to verify this account. If the account can not be fully substantiated, it should be deleted from my credit file.
Read full reviewAnonymous
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Read full reviewAnonymous
Several credit cards opened in my name and tried to resolve with the creditor And the collections have failed to provide me with information requested from original owner
Anonymous
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Anonymous
I previously filed a complaint with LVNV Funding LLC stating I am on Social Security Disability on a fixed income, that my income is Federally protected from any garnishment or civil suit to collect on an account that was charged or written off as bad debt and uncollectable. After filing a complaint with LVNN Funding LLC they refused to remove the collection account they reported as in collections and to this day they continue to update and report on my credit file that they are the original creditor of debt owed which is false they are not, and the original creditor who ever it is that I have no knowledge of is not listed in their reporting. Since the first account was reported in collections an my previous complaint which they are fully aware that I am on disability on a fixed income and my income us federally protected from garnishment LVNV Funding LLC reported another account they purchased for profit that us uncollectable and federally protected from garnishment. Both accounts are being reported as original creditor which is false, I have never had any business with this company and the original creditor who ever it is is not listed in the credit reporting.
Read full reviewAnonymous
I have an inaccurate reports on my credit report and will want it removed from my credit report.
Anonymous
i tried several times to dispute this account they have not provide me any proof this is my account
Anonymous
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.
Read full reviewAnonymous
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance
Read full reviewAnonymous
well I disputed all the account on my credit and they still popping up on my credit and this inaccurate and it damage my score and it not making sense why they keep trying to sabotage my credit and it was stolen identity
Anonymous
This debt does not belong to me, so I am requesting that it be removed from my credit report ; it is unfair and is causing significant damage to my credit. Thank you.
Anonymous
I have already disputed those cards that do not belong to me, but I was unable to resolve anything ; that is why I am contacting you to file a report and see if I can fix this problem. Thank you.
Anonymous
I have reviewed the attached documentation provided by LVNV Funding LLC and Resurgent Capital Services in response to my dispute. The materials provided consist primarily of an account summary prepared by Resurgent Capital Services on behalf of LVNV Funding LLC, together with a credit card statement. While these documents contain account information, they do not fully address the issues raised in my dispute. Specifically, I requested documentation demonstrating LVNV Funding LLC 's legal right to collect this specific account, including documentation showing that this account was included in any transfer or sale from the original creditor. The account summary references an acquisition date and identifies LVNV Funding LLC as the current owner, but it does not provide the underlying documentation supporting those assertions. In addition, I requested proof that the collector is properly licensed and authorized to collect debts in Indiana. No documentation responsive to that request has been provided. I acknowledge receipt of the account summary and statement ; however, I continue to dispute the debt and request documentation sufficient to establish LVNV Funding LLC 's ownership of and authority to collect on this specific account. Until such documentation is provided, I respectfully request that the CFPB keep this matter open and note that my dispute remains unresolved.
Read full reviewAnonymous
Debt companies calling and not understanding cease and desist. Threat to share information with employers and family members and reporting to credit agencies. Collections and late payments reporting need be stop until fully verified and identify verification
Anonymous
I do not recognize this account reported by LVNVFundingLLC. I have never had an account with this company and have not been provided with any proof that I owe the balance listed. I request that you verify the accuracy of this account and provide documentation showing I am responsible for it. If the debt can not be verified, please remove this collection from my credit report.
Anonymous
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.