Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Date : XX/XX/year> Subject : Formal Complaint Against LVNV Funding LLC Debt Collection Violations To Whom It May Concern, I am filing a formal complaint against LVNV Funding LLC regarding improper debt collection practices, failure to provide legally sufficient debt validation, and potential violations of federal consumer protection laws. 

XXXX. Inadequate Debt Validation & Failure to Comply with the FDCPA LVNV Funding LLC has attempted to collect a debt from me under Acct # XXXX, Reference ID : XXXX. However, their documentation fails to provide sufficient proof that I am legally responsible for this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I requested validation of the debt, but LVNV Funding LLC has not provided : A signed credit agreement proving my contractual obligation. 
A full account history showing all transactions, charges, interest, and fees. 
Proof of compliance with federal and state consumer protection laws. 

By failing to provide these required documents, LVNV Funding LLC is in violation of the FDCPA. 

2. Identity Theft & Fraud Concerns I have been a victim of identity theft and fraud, and my personal and financial information has been compromised in multiple data breaches. My Social Security Number ( SSN ) has been fraudulently used for employment purposes without my knowledge. 

I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). Despite this, LVNV Funding LLC continues its collection attempts without verifying the legitimacy of the debt, which raises serious compliance concerns. 

XXXX. Violations of the Truth in Lending Act ( TILA ) & CARD Act Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) and the Credit Card Accountability, Responsibility, and Disclosure ( CARD ) Act, debt collectors must provide clear disclosures regarding interest rates, fees, and payment obligations. LVNV Funding LLC has failed to provide : A complete transaction history, including all payments and interest calculations.

Clear justification for finance charges and fees. 
This lack of transparency and failure to comply with federal disclosure requirements further calls into question the validity of the debt. 

4. Legal Basis for My Dispute Pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA, LVNV Funding LLC is legally required to : Provide a copy of the original contract or agreement bearing my signature, proving that I legally assumed responsibility for this debt.

Provide the full account history, including all transactions, payments, and fees, to ensure accuracy.

Demonstrate that LVNV Funding LLC has legal authority to collect this debt, including any assignment of debt documentation, in accordance with 15 U.S.C. 1692e ( 10 ), which prohibits false or misleading representations. 


XXXX. Request for CFPB Investigation & Enforcement Action Given the violations outlined above, I request that the CFPB investigate LVNV Funding LLC for : Failing to provide legally required debt validation documentation. 

Attempting to collect a debt from a victim of identity theft without proper investigation. 

Potential violations of the FDCPA, TILA, and the CARD Act. 


This complaint serves as formal notice of my dispute. I appreciate the CFPBs assistance in addressing these violations and protecting consumers from unlawful debt collection practices. 


Sincerely, XXXX XXXX