Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Some open a credit card in my name and used the balance and never made a payment at a different address and only realized because checking my credit report and called the company. It was identity fraud Ive tried disputing but have had no luck
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV is obligated by the FCRA to report accurate information. Consumer disputed a listing on credit report. I have requested validation of the original debt or accounting regarding debt. it has been over 30 days. I was sent a billing statement. an account billing statement is not accounting. LVNV has also been told to Cease and Desist. see attached affidavit. I have sent this via certified mail to give LVNV a chance to cure their fault.
Company Response:
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The statute of limitations has expired on my debt and the original creditor sold the debt to a collection agency which by law they had no right to do. Now the collection agency has put their account on my credit reports which they are not allowed to do because this was a time barred debt that has expired. They are also trying to collect. I would like some help with this please.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive contacted the company multiple times for a signed affidavit to file a police report for identity theft.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. i have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation of my character, and this is a federal law violation. According to, 15 U.S.C. & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agencies to promote my privacy and fairness and they have not. This is not right and goes against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishers of people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed, immediately.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
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: Fraudulent activity is on this account, charges wasnt mine, remove this account from my profile, its not accurate and violate my rights
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Resurgent has failed to send me the contract agreement that have with them. I need the full account number the address at the time the account was opened and the date I opened and signed this account. I do not want a copy last letter commingling XXXX XXXX and resurgent like its one company. I need to see the original documents.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Hello, I have received letters from the following companies and I would like them to stop harassing me and sending letters. The name of the company is the following LVNV Funding LLC they sent a letter on XX/XX/2023 stating that I owe them XXXX. I've never done business with this company. I did a dispute with all XXXX credit bureaus and they removed the collection off my credit but, the credit bureaus then placed the collections back on my credit causing my credit score to plummet significantly.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to LVNV FUNDING which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies or I will have no choice but to forward this to my litigation attorney.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: These accounts are not mine Ive been XXXX since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : LVNV Funding acct XXXX, XXXX acctXXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts are violating my rights and must be removed immediately. Thank you
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A