Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. Im allegedly obligated, not obligated. You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. Im allegedly obligated, not obligated. You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company was dishonest as to stating they were following all guidelines required by the FCRA. Company is still in violation of Sec. 1681a. Definitions ; rules of construction which states The term Consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments consist of experiences between cras and consumer which are prohibited by the FCRA as provided below.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello I was incarcerated when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering to my life thank you and god bless
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I received a letter from Resurgent stating that I owed a debt LVNV Funding LLC money. They didnt include any information other than the original creditor of XXXX XXXX XXXX on the letter. I sent them a letter on XX/XX/XXXX requesting more information regarding the debt. I received no response. In XXXX of XXXX I noticed that LVNV Funding placed the collection on my credit report. I sent a letter to all 3 credit bureaus requesting this be taken off of my credit report due to fraudulent activity from this account. I sent a copy of the police report showing the creditor listed. In XX/XX/XXXX I sent another letter directly to LVNV requesting contract or agreement with all parties information with no response either. Now they are sueing me for the collection when they never responded to me.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING LLC is stating I owe XXXX I received this notification on my credit report without any warning. I am not sure where it is from. I sent a certified letter of Debt Validation on XX/XX/XXXX. I am not sure what this is and it is hurting m y credit score. I will attach this letter below.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm a victim of identity theft. I've contacted these companies countless times asking for purchases agreements, and they have failed to send me any documentation. I started reaching out in XXXX of this year I even waited 30 days called back and still nothing. I just want this issue resolved and removed from my credit report.
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: These crooks were sent a Cease and Desist letter through your office as well as the XXXX XXXX XXXX in XXXX look at my file! This is also a time barred credit card debt that is well over XXXX XXXX old the statute of limitations for credit card debt in the State of XXXX is XXXX XXXX so you need to enforce the FDCPA laws on them for trying to collect on it and I am not required to send them anything nor will I be and am sending all to a debt collection attorney to sue them!! They also sent me four copies of this fraud letter in one day more harassment!! If they contact me again I will also be suing them for stalking and harassment!! I want a copy of my complaint forwarded to the FTC and XXXX XXXX XXXX so they also can go after them!!!
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. LVNV FUNDING LLC
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A