Date Received: 2023-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 15 US CODE 168 1B I NEVER GAVE ANY PERMISSION TO REPORT ANYTHING 15 US CODE 1681 C-1 YOU REPORTING ON ME IS IDENTITY THEFT 15 US CODE 1681 C-2 STATES YOU MUST REMOVE WHATEVER YOU GOT RESPECT THE LAW
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Subject : Inaccuracies and Misreporting on LVNV FUNDING LLC Account I recently identified multiple inaccuracies and inconsistencies on a credit account reported by LVNV FUNDING LLC, managed by Resurgent Correspondence. The primary issues include : Ambiguous Account Status : The reported status " XXXX '' is unclear and non-standard. Mismatched Account Type : The account is categorized as " INSTALLMENT '' but detailed as " Debt Buyer, '' causing confusion. Date Inconsistencies : The provided Date Opened ( XX/XX/2020 ) post-dates the Date Last Active ( XX/XX/2020 ), which is contradictory. Unclear Payment History : The status " CO, '' indicating " Charged Off, '' is repetitive without proper context or validation. Missing Details : Key information such as Monthly Payment, Payment Status Commentary, and Date of Last Payment are either absent or ambiguous. Incomplete Two-Year Payment History : The reported payment history is inconsistent and lacks comprehensive data. These discrepancies have potential adverse effects on my creditworthiness and present a misleading representation of my financial history. Despite multiple attempts to resolve these issues with Resurgent Correspondence, they remain unaddressed. I'm seeking the CFPB 's assistance in rectifying these inaccuracies and ensuring accurate and fair credit reporting.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Incessant harassment, refusal to negotiate the damage done to my credit.
Company Response:
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company is practicing unfair deceptive business practices by collecting on a debt that doesnt belong to me and also collecting on debt in a state without a license which is illegal. Company was put on notice of the unfair business practices and refused to remove the inaccurate account from consumer report. Also advertising to 15 USC 1681 A ( a ) ( I ), transactions are NOT included in a consumer report!
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors XXXX not furnish any information relating to XXXX XXXX reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX - called letting them know I have no knowledge of these accounts and they didnt do anything. {$600.00} & {$420.00}
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: LVNV FundingXXXX XXXX XXXX received a refusal to pay dispute on my behalf via certified mail on XX/XX/2023, at XXXX XXXX. Since I've received an identical validation letter that I will attach that violates 15 USC 1692e 807. False or misleading representations 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I also will attach screenshots from my XXXX and XXXX consumer reports that LVNV FundingXXXX XXXX Has Failed to communicate that the debt is disputed.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed LVNV XXXX XXXX account they have the police report and identity theft report and has not removed. This debt from my credit report they even sent me an identity theft report I filled it out and faxed back to them
Company Response:
State: AZ
Zip: 85140
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I submitted a previous dispute ( XXXX ) about a debt that appeared on my credit report at XXXX XXXX and the other credit reporting agencies. The debt collector is Pyod, LLC in the amount of {$650.00}. XXXX XXXX stated in their response that I would receive information via US mail about this debt and their actions but I have not received anything from them. I have no idea where this came from and it may be related to another debt collection that arose apparently through identity theft. Idispute this debt and ask that it be removed from my credit report. I have received zero information from the debt collector Pyod LLC.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A