Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint regarding an account reported by LVNV Funding LLC on my credit report, which I believe does not belong to me. LVNV Funding LLC has a documented history of attempting to collect on debts that are either not owed, misattributed to the wrong individual, or previously resolved. The debt they are attempting to collect from me appears to fall into one of these categories.

LVNV is attempting to collect on an alleged debt that they have not substantiated. I have no record of any account with LVNV or any unresolved account with the original creditor, XXXX XXXX, apart from a fully resolved account in the past. Despite this, LVNV has reported the alleged debt to credit bureaus without notifying me or providing any form of validation. I was not aware of this debt until I noticed it on my credit report. Since then, I have requested validation, but LVNV has failed to provide any evidence of the debts legitimacy, such as signed agreements, itemized billing statements, or any proof of account activity like photos or videos.

This unsubstantiated collection activity and reporting have caused significant damage to my credit score and financial well-being. Additionally, this situation raises serious concerns about identity theft. My husband and I have been victims of identity theft since 2016 and have filed multiple police reports documenting these incidents. If LVNV has any supporting evidence related to the alleged account, such as video proof or account activity logs, it may assist in identifying the individual ( s ) who have been using my identity.

LVNVs actions appear to violate federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their failure to validate the debt before reporting it to credit bureaus and their continued collection efforts without sufficient evidence are both improper and harmful.

To address this issue, I respectfully request that LVNV Funding LLC immediately cease all collection activities related to this alleged debt until proper validation is provided. I also ask that they produce all documentation tied to this debt, including signed agreements, billing statements, and any evidence of account activity. Furthermore, I request that the inaccurate reporting of this debt be removed from all credit bureaus, including XXXX, XXXX, and XXXX. Lastly, I urge the CFPB to investigate LVNVs practices to determine whether they have engaged in misconduct or violated federal laws.

I have already taken steps to dispute this account with credit bureaus, filed police reports for identity theft, and requested validation directly from LVNV. However, their failure to resolve the matter has forced me to seek further assistance. I am prepared to provide supporting documentation, including police reports, credit dispute records, and correspondence with LVNV, to assist with this investigation.

This situation has caused me undue stress and financial hardship. I believe LVNVs actions are not only inaccurate but also a direct violation of my rights as a consumer under federal law. I respectfully request the CFPBs assistance in resolving this matter promptly and ensuring LVNV Funding LLC complies with their legal obligations.

Thank you for your time and attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX