Reginald Cundy has taken legal action against LVNV Funding, LLC, accusing the company of violating federal debt collection laws. The complaint was filed by Reginald Cundy on November 18, 2024, in the Court of Common Pleas of Allegheny County, Pennsylvania. The lawsuit targets LVNV Funding, LLC for allegedly providing false information to credit reporting agencies regarding a disputed debt.
The case stems from an earlier legal battle where LVNV Funding had initiated a civil complaint against Cundy on July 17, 2024. However, Cundy successfully defended himself with the help of J.P. Ward & Associates, LLC, resulting in a judgment in his favor on September 11, 2024. Despite this outcome, LVNV Funding is accused of updating TransUnion with incorrect details about the disputed debt as recently as October 2, 2024. This act allegedly misrepresented the status and character of the debt by marking it as "in Collection" and "PLACED FOR COLLECTION," which contradicts its disputed nature.
Cundy's legal team argues that these actions violate several provisions of the Fair Debt Collection Practices Act (FDCPA), specifically citing sections related to false representation and communication of disputed debts. The complaint highlights that LVNV Funding failed to accurately report the dispute to relevant credit agencies and continued to contact Cundy directly despite being instructed not to do so.
The plaintiff seeks various forms of relief from the court. These include actual damages for emotional distress and inconvenience caused by LVNV's actions, statutory damages under FDCPA guidelines up to $1,000 per violation, and coverage for attorney fees and court costs. The case underscores broader concerns about abusive practices within the debt collection industry that can lead to significant personal repercussions for consumers.
Representing Reginald Cundy are attorneys Travis A. Gordon and Joshua P. Ward from J.P. Ward & Associates, LLC. The case is presided over by Judge Iren B. Evans under Docket No. CVPDD008S256F520. Attorney Christopher Carfagno represents LVNV Funding LLC.