Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX Both accounts were unverified. My physical written signature was not provided.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently got a copy of the credit report from annual credit and noticed a fraudulent account reporting on my credit file. I contacted LVNV and told them that this account is not mine, and they still haven't fixed the problem. I will be taking this to litigation and requesting monetary compensation because this has caused me stress and anxiety from all the threatening letters received from LVNV. This account is still reporting on my XXXX credit file.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I AM A FEDERALLY PROTECTED CONSUMER I am making this complaint against ( XXXX XXXX XXXX ACCT # XXXX ). I REJECT your offer to contract I DO NOT CONSENT to any NON-AFFILIATED THIRD PARTY ( XXXX XXXX XXXX ) to be in possession of my Non-public Personal Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT ON CONSUMER PRIVACY and the FEDERAL TRADE COMMISION THE ( FTC ) CONSIDERS a CONSUMER 'S PRIVACY PROTECTION RIGHTS VERY CRITICAL TO PROTECT. I never gave my permission TO ( XXXX XXXX XXXX ) USE OF ANY of my Identifying information they are emailing me constantly, calling me constantly, and mailed a letter all with in a weeks time I FEEL LIKE THEY ARE HARASSING ME. This is ( XXXX XXXX XXXX ) NOTICE to CEASE AND DESIST ALL illegal activity and communications with me and if they try to falsely furnish any false credit debt information ON MY consumer report which will be considered communication and ILLEGAL activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information BUT WITHOUT my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. This alleged debt SOLD BY ( XXXX XXXX XXXX ) WITH MY NON-PUBLIC PERSONAL INFORMATION TO XXXX XXXX XXXX A THIRD PARTY DEBT COLLECTION COMPANY ( XXXX XXXX XXXX ACCT # 3531 ). BASED ON THERE ACTIVITIES I now have reason to believe that THEY BOTH ARE conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL EXTORTINATE means. There is NO TRILATERAL CONTRACT BETWEEN US ( XXXX XXXX XXXX ) AND THERE WAS NO TRILATERAL CONTRACT WITH ( XXXX XXXX XXXX ). THE F.D.C.P.A WAS CREATED TO PROTECT ME THE CONSUMER FROM THIS TYPE OF DAMAGING, UNFAIR, HARASSING BEHAVIOR FROM A DEBT COLLECTOR. THERE IS NO LEGAL OBLIGATION TO PAY YOU ( XXXX XXXX XXXX ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN US. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS LIKE YOU THAT PUBLIC KNOWLEDGE AFTER CFPB FINDINGS IS KNOWN TO VIOLATE CONSUMER RIGHTS .AND IF YOU ATTEMPT TO REPORT THIS FALSE ALLEDGED DEBT TO ANY OF THE CREDIT AGENCIES AND IT GETS PUT ON MY CONSUMER REPORTS YOU THEN WILL BE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section XXXX of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY XXXX XXXX XXXX TO PURSUE AND HARASS ME OVER THIS FALSE ALLEDGED DEBT THIS IS WILL BE GROUNDS TO EXCERCISE MY FEDERAL RIGHTS UNDER 15 USC 1692 E8 VIOLATION. AND BY FALSELY REPORTING THIS ON MY CONSUMERS REPORT YOU WILL CAUSE ME TO BE DENIED AND PROHIBIT ME FROM EXTENSIONS OF CREDIT FOR HAVING THIS " XXXX XXXX XXXX ACCOUNT '' ON MY REPORTS IT WILL ALSO BE GROUNDS FOR THE FALSE CLAIM ACT " XXXX XXXX XXXX YOU WILL THEN BE RESPONSIBLE FOR PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL CONSUMER RIGHT ESTABLISHED BY US CONGRESS. WHICH NOW WILL ALSO PUT YOU IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND ALL MY FEDERAL CONSUMER RIGHTS BE PROTECTED, AND FEDERALLY RESPECTED, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) and under this violation under the F.D.C.P.A allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND RIGHT NOW WITH ALL THE CALLS EMAILS, LETTER UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF XXXX U.S.C. XXXX STATING a debt collector in collecting a debt, XXXX NOT HARASS, oppress, or abuse any person. For example, a debt collector XXXX not : Use or threaten to use XXXX or other criminal means to harm the physical person, REPUTATION, or property of any person. AGAIN WE HAVE NO CONTRACT XXXX XXXX XXXX I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH XXXX WHOM YOU STATED IN YOUR LETTER TO ME " SOLD MY NON PUBLIC INFORMATION TO YOU XXXX XXXX XXXX ", AND I HAVE NO CONTRACT WITH YOU XXXX XXXX XXXX NOR DO I DESIRE TO. AND BE ADVISED UNDER 15 USC 1692K CIVIL LIABILTY I AM TO BE AWARDED {$1000.00} PER FDCPA VIOLATION FINDINGS AND I FOUND 1 VIOLATION. AND I AM POINTING IT OUT THAT I FOUND A F.D.C.P.A VIOLATION. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$1000.00} PER VIOLATION COMPENSATION TO MY MAILING ADDRESS 1675 XXXX XXXX XXXX XXXX, IA XXXX. BE ADVISED UNDER THE F.D.C.P.A I AM TO BE AWARDED THIS DUE TO YOUR FDCPA VIOLATION. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.T.C, AND F.D.C.P.A, AND THE CFPB. FEDERAL CONSUMER LAWS SUPERCEDES ANY FALSE DEBT ALLEDGED BY A THIRD PARTY DEBT COLLECTOR. I DEMAND MY DAMAGES WHICH I AM DUE UNDER THE F.D.C.P.A IMMEDIATELY DUE TO YOUR NONCOMPLIANCE OF THE F.D.C.P.A VIOLATION UNDER 15 USC 1692D.IM CALLING ON THE CFPB TO ACKNOWLEDGE, POLICE, ENFORCE, MY FEDERAL CONSUMER PROTECTION RIGHTS THAT XXXX XXXX XXXX AREN'T AWARE OF VIOLATING. IM STANDING ON ALL MY FEDERAL PROTECTION CONSUMER RIGHTS THE FDCPA, FTC, CFPB, STATE I HAVE.
Company Response:
State: IA
Zip: 52240
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING LLC Last reported XX/XX/2023 {$670.00} Open balance You are in Direct Violation of The Fair Reporting Act ( LVNV FUNDING LLC ) has violated several of my rights. 15 U.S.C 1681 section 602A. Clearly states that i have the right to Privacy. 15 U.S.C 1681 Section 604 A Section 2. Its also states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.A 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LUNV Funding is reporting a collections account on my credit report for the amount of {$1700.00} past due as of XX/XX/2023. ( see attached ) Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent. I have never received any notice of this collection. I requested from LUNV Funding LLC the following in order to validate the legality of this debt. 1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract. 2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am disputing the information being reported by LVNV Funding LLC on my credit report. I contacted them asking that they please provide documentation of the alleged debt. My attorney contacted them asking the same. The company refused to provide any documentation showing the debt, amount of the debt, contract between myself and the original creditor or any type of documentation. Instead the company replied by asking me to provide documentation of the debt. I provided what was reported in my credit report which is all of the information that I have. If the company is stating the debt does in fact belong to me then they should also have all of the information. My attorney then contacted the collection agency requesting if such documentation can not be provided to please remove the debt from my credit report. The company did neither provide documents or remove the debts. At the time of contacting LVN Funding LLC they were reporting two separate accounts on my credit report. I was advised that one account showing a total of {$170.00} has since been removed from my credit report. However, they are still reporting one account showing a total of {$130.00} which I have yet to receive any documentation showing proof the alleged debt even belongs to me. I am again requesting if documentation can not be provided the debt be removed from my credit report immediately. I am included in this dispute the correspondences between my attorney and the Collection agency reporting the debt.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV funding is reporting these two collection accounts on my credit file. Even though they have closed the accounts and deleted my payment arrangements. I am providing proof in this screen shot. It's because I'm white that they are illegally still reporting this to my credit report every month. They can't continue to report these accounts if they have closed them. They were being dishonest in their last reply and they keep on lying like most collection agencies do.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV Funding, a Debt Buyer, bought this account from XXXX XXXX, and then placed the account on my credit report, while deleting the XXXX XXXX XXXX. By doing this, they deleted my history with this creditor. Ironically, THEY OWN XXXX XXXX also. This is false, misleading and misrepresentation at its worst! In addition, the account is over 4 years old, exceeding the state of Maryland 's statute of limitations.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A