Date Received: 2023-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Madam/ Sir, CFPB : This is in regards of an Unknown debt collector that is in my credit reports files. And it is not mine and does not belongs to me. This unknown debt collector has damaged my credit and is reporting false information on my credit report. This is a fraudulent activity and they are stilling from a third party Bank. As Stated on my XXXX credit report agency. And this unknown and false collector is committing an act of FRAUD. They keep calling me every other day and living voice telephone messages on my telephone, harassing me and threatening me. I request this debt collector to take out this debt that is not mine and does not belongs to my self from my 3 credit report agencies.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 3 accounts in collections but they have been set to closed and according to CRA policy, unpaid collections must be deleted immediately upon closure. This company has failed to follow fair, credit reporting policies, and request cease and desist on further collection activities and to remove all reports from all credit bureaus. I filed a complaint yesterday before I realize that these accounts were set to closed. I know requested they just be removed permanently and to stop all unlawful activities. This company is harassing me unnecessarily by subjecting my personal credit to unlawful damage from failure to follow policies set by the CRA. This company also got my illegally and is still continuing to contact me through Mail and Phone to try to collect debt. Do not sell this debt that you have placed in my name without my consent to any other parties. Thank you so much
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made over XXXX dollars in payments, and company refuse to change my balance.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report XXXX dont recall having this account. I then sent LVNV FUNDING LLC a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email on XX/XX/2023 from XXXX XXXX regarding a balance with LVNV Funding. The email says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00}. I have received two more emails regarding this debt. I do not remember this account. At the end of the email ( on page 3 ), it states, " The law limits how long you can be sued on debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX. ''
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between LVNV Funding LLC and I.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is a follow up to a previous complaint. A debt collection company LVNV funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted XXXX XXXX to dispute the debt due to LVNV being unable to provide an itemized notice of debt. XXXX XXXX closed each dispute after LVNV said it was valid, still unable to produce any documentation with an itemized explanation of the debt. XXXX XXXX then directed me here to complete a complaint. This was also just closed after LVNV responded with a letter, but still no itemized listed of the debt. XXXX XXXX is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.
Company Response:
State: AZ
Zip: 85711
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid a collection account IN FULL with RESURGENT ( For XXXX ) on XX/XX/XXXX. ( I have documentation ) On my credit reports in early XXXX, it was reported by XXXX as a COLLECTION with a XXXX balance. Just recently ( this week ) my credit was pulled as I am looking to buy a house and qualify for grant funds. I was advised that XXXX has updated my credit report with all three bureaus to reflect " CHARGEOFF '' - which is incorrect. My scores are suffering due to this and I am unable to qualify for grant funds or a conventional mortgage. XXXX does not have a working telephone number to get this resolved. There's a recording when you call their number ( XXXX ) XXXX to write to an address in XXXX. XXXX, MN. I am unsure if this will get resolved. I absolutely need this corrected ASAP.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: 15.USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A