Date Received: 2023-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was notified that I owe a debt to some company. I have not recieved verification of the debt and i have no clue what the debt is for. i dont even have the name of the orginal creditor. or the charges and amounts.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: scam collection place trying to collect old not verified debt.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Collection agencies must be authorized to collect in the state their trying to collect in. This company does not have the right to collect debt in the state of Georgia. This is a violation of the FDCPA. Below I have attached the screenshots of my Credit Reports. Also, I have attached the company 's state licenses and registration.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are a lot of credit that isn't mine I dispute it but it's still there I tried to explain to them it is mine
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are a lot of credit that isn't mine I dispute it but it's still there I tried to explain to them it is mine
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I filed an identity theft report with identitytheft.gov and reported the errors on my credit report due to identity theft. I mailed my identity theft report with all requested documents to LVNV Funding LLC and was informed that my case was being investigated. I am a currently XXXX XXXX XXXX college student and the LVNV account dates back to XX/XX/2017 that means that account was fraudulently opened when I was XXXX XXXX XXXX. As to date the company has yet to remove the fraudulent account of my report which is negatively affecting my credit score.
Company Response:
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I request LVNV Funding LLC validation of allege debt {$1700.00} or cease and desist all harassment of allege debt. I am requesting VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) validation of debts, or removal of alleged debt in the total amount of {$1700.00} from LVNV Funding LLC. They have failed to provide the VALIDATION OF DEBT, FDCPA 15 U.S.Code. 1692c ( a ) states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC, the above written consent to contact me in connection with the collection of any allege debt. I do not have a signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC clearly is a gross and tortuous effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this allege debt. Specifically there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to pay LVNV Funding LLC. I request LVNV Funding LLC, provide a signed contract between LVNV Funding LLC and me regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove items totaling {$1700.00} from credit reporting agencies, XXXX, XXXX and XXXX.
Company Response:
State: TX
Zip: 77005
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX Credit Card Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.
Company Response:
State: GA
Zip: 30263
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: My complaint is that it was not my debt and XXXX confirmed it, then deleted it off my report. I have suffered mentally as well as financially. I have been denied housing which makes me homeless. I want this account remove from my credit file.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A