Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-07-05
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: I have derogatory remarks on my credit report due to false information reported by collections which should be removed from my credit report pursuant to 15 U.S.C. 1681 ( b ) and Pursuant to U.S.C. 1681 ( a ) ( 4 ) right to privacy. They are also in violation of 15 U.S.C. 1692c, as NO THIRD PARTY HAS MY CONSENT TO COMMUNICATE WITH ME IN THE CONNECTION OF COLLECTING DEBT. I have no business with LVNV FUNDING LLC and never entered into a contract with them to pay any debt they are claiming is owed. Delete the account immediately from my credit report.
Company Response:
State: MN
Zip: 55418
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: 2023-07-05
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: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
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: Ive tried disputing this collection on my credit report several times. My identity was stolen some years ago and I believe that this is a result of that and was done by a person of similar name. Ive asked XXXX, to provide the documents used to verify that it was me and I havent received anything. Please remove from my credit report. Thanks
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XXXX of 2021 took me to court in Alabama for a debt from Ohio. And then never provided the necessary documentation nor paperwork where payment were to go to. Lawyers quit in the middle of the case
Company Response:
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This is a new CFPB complaint that is a continuation to a previous complaint against XXXX / Resurgent / LVNV I reported in XX/XX/XXXX. The previous CFPB case number is XXXX. I received a new debt validation letter from XXXX XXXX XXXX, collecting for LVNV, on XX/XX/XXXX. LVNV-Resurgent has sent a new collection company after me in complete disregard to their FDCPA violations I reported in XXXX. To summarize the XXXX complaint : I had a standing agreement with XXXX / Resurgent / LVNV to not call me on the phone, and to put all their communication with me in writing. This is not a gimmick Im using to slow down any creditors! Its just for my own safety, because Ive had some BAD past experiences with trying to have legal/financial conversations on the phone where the other person just denies everything later! In XXXX, XXXX / LVNV did something very strange ( and very illegal ) with the debt account they own. They took it out of their system for a few weeks on XXXX website, and then put it back in their system with a new account number and immediately started calling me again. They violated my request to only contact me in writing, which is prohibited under FDCPA law 15 USC 1692c. I scanned the original letter I received from XXXX compliance department in XXXX saying they would only contact me in writing on the complaint as proof. Im going to tell you the same thing Im telling all of my creditors right now : Ill pay you what I can reasonably afford, but IM NOT PAYING YOU ANYTHING ONCE YOU VIOLATE MY CONSUMER RIGHTS! I have to protect myself from you SOMEHOW! By demanding me to pay this Resurgent account NOW, youre perpetuating the FDCPA violations Ive already reported against you! My financial and mental resources are stretched urgently thin this month ( XXXX ) because another creditor, XXXX, decided they want to randomly sue me into bankruptcy for no reason, without even trying to warn me first. And the lawsuit itself MIGHT be a criminal action, because I HIGHLY suspect XXXX might be related to the anonymous Identity Theft troll Ive been victimized by for the past XXXX months! Maybe it was a bank opening up bogus accounts in my name to verify my address? Just to see how long it will take me to catch the accounts and close them? I dont know whats going on, but it strikes me as more than just a tiny coincidence when you look at XXXX timing and their adversarial attitude. Now Resurgent wants to play abusive bully games with me too. I was also suspecting XXXX is illicitly communicating with Resurgent to help Resurgent get around their phone call violations, and this new XX/XX/XXXX letter from XXXX XXXX XXXX XXXX Resurgent has only strengthened those suspicions. The entire Identity Theft issue has been reported to the local police, and XXXX XXXX executive office ( they own one of my other defaulted accounts ) is currently doing an investigation on their side to see if they can help me. If XXXX DOESNT decide Wait, this was a mistake. This isnt the right time or the right way to do this and they DONT withdraw their suit within the next 20 days, then I need to save every resource I have to find a lawyer to argue in court for me, and possibly file counter-suit against XXXX Otherwise, Ill just be pleading my situation to XXXX XXXX by myself on XX/XX/XXXX! Im extremely terrified and extremely angry at the same time! Im going to make this point clear again : Any financial judgment against me is going to result in this : ALL debt payments stop to ALL creditors IMMEDIATELY. Even my open revolving ones. Ill keep my car loan current for the next several months, and once I have enough saved up for a bankruptcy attorney, Im filing for bankruptcy! THATS THE ONLY OPTION YOURE FORCING ME INTO if we continue down this path! One : Im already insolvent about four-to-one to begin with. Two : I am NOT going to live with a bank having a judgment against me as their legitimate cover to go diving into my checking account whenever they want, when I have reason to suspect the same bank or group of banks may have been frauding me with the Identity Theft to begin with! Yes, Im in debt. I understand that. If you ever sat down and read my entire insane family situation, youd understand its not 100 % my debt. But even disregarding that, Im still a human being whos supposed to have some legal rights in the debt collection process! For starters, why is it so hard to contact someone in writing when they ask you to PLEASE ONLY CONTACT THEM IN WRITING? My income is {$2500.00} per month. I only have a few hundred dollars of wiggle room every month for ALL extra expenses, and soon Im going to have to start paying student loans again. My only big assets are my XXXX car that is financed until XXXX and my 401 ( k ) that is sealed away until the 2050s. Bullying and threatening isnt helping you when I have nothing left to give you! Unless youd like to force me into filing for bankruptcy first thing in XXXX, Im asking you and your associates to LEAVE ME ALONE!
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company is LVNV FUNDING - company started off by sending a post card in the mail for me to verify my address. The lawyer stated they did not have to validate anything which based on the FRCA Laws I have the right to get validation. However the judge decided not to grant me that courtesy. Yet here is the creditor asking me yo validate my ss # after the debt resolution company is trying to work out an agreement. Below is what was written to me by the Debt resolution company. The initial budget of {$750.00} was to be used for restructuring all of your creditors. The monthly amount allocated for LVNV from your budget was {$61.00}. Since the settlement that they offered called for monthly payments of {$110.00}, which exceeds the amount we allocated ( {$61.00} ), the additional {$30.00} will leave us with a sufficient budget to present offers to your other creditors. I hope this cleared up any confusion. Also, the agency handling the debt is requesting that we confirm your SS #, as the one we have is different from what they have on file. This needs to be stopped and these companies need yo not usurp the law when they choose to. I am tired that the FTC does nothing about these issues.
Company Response:
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT " LVNV Funding LLC '', you are furnishing inaccurate and incorrect information about me. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 15 US Code 1681s-2- 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 Apersonshall not furnish any information relating to aconsumerto anyconsumer 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. As Defined by the IRS Even if you didnt receive a Form 1099-C you must cancel debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By Definition The IRS clearly says a Canceled Debt or Charge off is Income. The Reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says you, LVNV Funding LLC are a furnisher of Information to a consumer reporting agency. You are PROHIBITED BY LAW Furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681 S-2 ( a ) ( 1 ) ( A ) 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. You are hereby put on Notice that you are furnishing incorrect inaccurate information. The lender must file Form-1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent, when you Filed this account as a canceled debt. My Mailing Address is Reference at the top of the first letter. 15 U.S. Code 1681s-2- ( a ) Duty OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The continued reporting of this information is a clear violation of the Law 15 USC 1681s-2 of your grave responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report. You have 10 Calendar Days to Delete this Account from my Consumer Reports! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX
Company Response:
State: MI
Zip: 48210
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX. I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these XXXX entries being reported on my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX. I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these 2 entries being reported on my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A