Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 1. Please provide all applicable regulatory and licensing requirements to operate as a collection agency in North Carolina. 2. You have a duty to impartial, fair, and reasonable in your efforts to verify information. Please provide all evidence of " reasonable procedures '' that you used to determine the conclusion that this information is verified. - Who did you speak to? -When did you talk to them? -Name of the person -Telephone number dialed -Emails Sent with email address 3. Please provide information on your company permit number. You are required by North Carolina General Statute 58 Article 70-25 to have presented on all letters sent to debtors your permit number. 4. Please show in the previous correspondence you included in your reply that you have included your permit information as a state requirement. 5. Send agreement between you and XXXX company to collect on this debt.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: So back in XXXX I did a debt consolidation. I never did anything like this before so I thought this was a legit company. The person I spoke with his name is XXXX XXXX he set up my account I have his email address which is. XXXX his cell number is ( XXXX ) XXXX. His work number is ( XXXX ) XXXX. Hes with debt advisors. He had set me up with the litigation practice group XXXX, The phone number I have for them is ( XXXX ) XXXX. So from my understanding, I was set up to consolidate my three credit cards that I had which are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my XXXXXXXX XXXX XXXX So from my understanding everything seemed like it was going good. They were directly taking the amount that we set up out of my bank account. This was from XXXX all the way to XXXX, which I have my bank statements with the amounts that were taken out. I would get phone calls from the litigation practice group saying that theyre working on my credit. Theyre talking with the vendors and everything. Seems like its going good. I have numerous phone messages, text messages stating everything seems like its in process. Come to find out the litigation practice group filed bankruptcy so then I got messages from XXXX XXXX saying that they were handed my file so I would assume they already know everything thats been going on when I tried to explain it to them they didnt want to hear it. They were reaching out to me saying that theyre trying to collect a debt I owe. They did not know nothing about my XXXX accounts they were only contacting me and trying to get money out of me for the synchrony car care tire pros. So this is where I got totally confused thinking ok so things are paid off with XXXX. Im not sure whats going on with the tire pro. So this is where I looked into my XXXX account and I called the two chase accounts. It said theyre charged off, so I thought ok they were paid come to find out theyre not paid. I still owe the debt as well the tire pro account. So now Im really wondering where did my money go that I paid and this money was getting taken directly out of my account from XXXX to XXXX. When I talked to the person, I reached out on my XXXX account for the two chase accounts and the tire pro account. They mentioned to me that nobody ever reached out to them on my behalf, to try to fix my debt with them so now this is where I think I was scammed. I got fraud upon for my money Because I still owe this debt now, so Im so confused on what to do. I got letters. I got papers saying that Im being sued for XXXX law group. I guess theyre affiliated with XXXX XXXX that they were trying to come after me sue me for money I/O, which Ive already paid the debt consolidation agency I thought. This is really affecting my credit score, and I keep receiving major derogatory remarks on my credit report when I thought I was actually fixing it consolidating it but somehow I was scammed or took in for my money because I dont know where that money went and my credit is just messed up now. This is stressing me out. Im losing sleep over this I dont know what to do.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have no agreement with LVNV funding LLC and they have failed to remove the incuracies on all credit reports causing me severe financial hardship.Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. I have sent LVNV letter demanding validation of this tradeline and a prior signed agreement with LVNV and myself, but LVNV failed to provide the information.I demand that LVNV delete all reporting from all three credit bureaus.
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notice of Default - Federal Claim/Arbitration All disputes with respect to this Agreement, including the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations arising out of or relating to it shall be referred to and finally resolved by arbitration administered by the Federal XXXX XXXX XXXX in force when the Notice of Arbitration is submitted. If parties are unable to settle the dispute within the next ten ( 10 ) days, the parties shall refer the dispute to arbitration administered by XXXX Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). 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. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay damages in the amount of {$10000.00}. You shall be granted five ( 5 ) days to respond. Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony. If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. I have yet to be provided with proper debt validation. Please note, a statement is not an invoice, so would you please provide a signed invoice as requested. Please advise that any statements does not qualify as validation made pursuant to the F.D.C.P.A. laws. Also, a photocopy of an alleged loan application form does not constitute a contract since it does not contain signatures both by parties therefore please provide wet ink signatures of both parties. 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. 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. A copy of the Contract binding both parties, in a letter by certified mail so that there is an independent witness to it having been delivered. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A. Defamation of character Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Please advise that any statements does not qualify as validation made pursuant to the F.D.C.P.A. laws. Also, a photocopy of an alleged loan application form does not constitute a contract since it does not contain signatures both by parties therefore please provide wet ink signatures of both parties. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) XXXX of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Note : Pursuant to 28 U.S.C. Section 1746 The attached statement does not need to be signed by a notary, provided it contains the following language : I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. XXXX, XXXX XXXX
Company Response:
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV FUNDING LLC is reporting inaccurate information on my credit report. I have reached out to the company by phone and certified mail but they have yet to respond appropriately. There is a debt for XXXX XXXX which is {$140.00}. This debt is not mine. I have never lived at that location. I have been at my current address since XXXX. I have requested that XXXX XXXX validate the debt but have refused. The second debt is for XXXX XXXX ( XXXX ). The original credit have deleted this debt from my credit file because it was past 7 years. LVNV Funding has purchased the debt is is reporting inaccurate timeframes of the debt. This debt should not be on my credit profile. I have asked LVNV to delete this from my file but have also refused.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transfe rred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiati on of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to pa ragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt coll ector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this secti on : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collect or is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any commun ication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any i nterest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish i nformation about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person sh all not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 5 U.S. Code 552a - Records maintained on individuals
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke. XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any communication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 5 U.S. Code 552a - Records maintained on individuals
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has a very large name 's list for collection purposes, such as Resurgent, LVNV Funding LLC or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with. XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid XXXX over XXXX from the alleged original creditor. Such of pile. This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX they want and then sue me to try to make me pay. Baby, You will never collect a XXXX and this is a promise I will keep. You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has a very large name 's list for collection purposes, such as Resurgent, XXXX XXXX XXXX or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with. XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid pennies over dollars from the alleged original creditor. Such of pile. This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX they want and then sue me to try to make me pay. XXXX, You will never collect a dime and this is a promise I will keep. You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A