Date Received: 2023-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2017 .amount {$620.00} collection. My report includes accounts with a reported name that is different than mine. I dont recognize the accounts in question. The report shows I owed money to an account that is not mine. The current status of my account is not correct.
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: our company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. Please remove this from my credit report so I can start possibly rebuilding my credit and life. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Company Response:
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer reports as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: CA
Zip: 95949
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name RESURGENT/LVNV FUNDING with the account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account. I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt. Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt. Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt. I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported. I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process. I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation. Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Previously asked for proof the debt was mine never received any information i requested such as but not limited to. A copy of the original contract signed with my handwritten signature. The last payment date, and the amount owed to the original creditor when the account was charged off as a bad debt. I believe LVNV is adding interest into the equation after the account was previously closed and its within my rights to request this information.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Emails dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. stating that I owe them a debt for {$440.00} and asking for a Credit Card. The Alleged Original Creditor was XXXX XXXX XXXX, who previously charged off the alleged debt via 1099 with the IRS and reported it as income. LVNV Funding LLC bought my charged off debt for XXXX on the dollar from the Original Creditor XXXX XXXX XXXX, and supposedly assigned the collection of the Charged Off Debt that was purchased for XXXX on the dollar to XXXX XXXX who is looking for the Original Amount of the Charged Off Debt in the Name of the Original Creditor XXXX XXXX XXXX. Whom I have mentioned previously CHARGED OFF THE DEBT with the IRS via 1099 forms!!!!!! I have no contract with XXXX XXXX nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let it be known that it is a fact the Original Creditor XXXX XXXX XXXX has committed Securities fraud by selling notes of consumers via their Social Security Numbers via Irrevocable Assignments. Was this apart of the original service agreement with XXXX for Cellular Phone Service. We all know the Note is the Application, which is Self Liquidating Paper with an Allonge Attached with a Blank Endorsement for Special Deposit. We the People Gave NO Such Consent to these hidden back door deals off the backs of our social SECURITY numbers. I also believe no such evidence Exists! I have taken the liberty to attach XXXX XXXX SEC Documents detailing assignment of Notes where the Tax ID or Social Security Number and Name and Address of the Assignee is listed. So now you as a third party interloper are now apart of the fracas.
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Shows on my credit score I owe money. I do not owe money to this company, I do not know about this debt. I keep getting harassed with phone calls. I want the harassing to stop and all negative remarks on my credit score from this company to go away, or Ill take them to court for harassment.
Company Response:
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Theyve been collecting or trying to collect money from me every month for this, and it was included in my bankruptcy
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A