Date Received: 2023-03-21
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: please can you delete this for my credit report please thi is noooooooooooooo my
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Acct XXXX XXXX {$1100.00} XX/XX/20 I did not open this account nor the other 2 opened by same company Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/21 Amt {$2400.00} I have knowledge of this account and I didnt not authorize to open it. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Creditor reporting falsely on my credit reports as opened account was XX/XX/XXXX for XXXX, XXXX XXXX XXXX reporting opened XXXX, XXXX XXXX reporting opened XXXX and balance amounts would like an investigation into this matter.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 15USC 1681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15USC 1666 B : A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV Funding LLC has continued to defame my character publicly by illegally reporting my information to the major credit bureaus. Pursuant to 15 USC 1681b ( a ) ( 2 ) a consumer most give written consent in order for anyone to publicly report information about them on or to any credit reporting platform. I XXXX XXXX did not give LVNV Funding LLC permissible purpose to report any information about me. I also have not been presented with any court ordered documents by LVNV Funding LLC giving them permission to do so pursuant to 15 USC 1681b ( a ) ( 1 ). I have made several attempts to inform LVNV Funding LLC that the information they are publicly reporting is illegal and infringes on my constitutional rights. Further more credit reporting is voluntary and not mandatory as expressed in the 2012 CFPB white paper, specifically page 15 section 3.1.1.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: You guys have stated in the Letter from XX/XX/XXXX : " we believe the majority of their concerns were already addressed in our response to their previous inquiry ''. Which is not true. You guys never addressed the comment stated on my credit report, as to why if I qualify for FCRA the collection as a comment my credit report is still showing this account, and why this collection is still there. I am attaching the letter. Another thing, the last payment was made on XX/XX/XXXX meaning you legally have 3 more months to try to get this amount and then after that remove it, according to the state of limitation for collection agencies in FL. 3rd thing I am attaching is the last statements that XXXX XXXX provided via mail back in XXXX. I remember I requested a Credit Card and XXXX XXXX charged {$25.00} one time, and then charged that same amount {$25.00} the same month twice, then got the annual fee again from the previous month, with an increased amount without notice on a XXXX period. I got a credit protection fee I was paying and offered by XXXX XXXX which is stated there on my statement very clearly. So talking about XXXX XXXX, even tho I made that payment ; the next month I was charged a late fee, increasing 2 times the transactions, and raising the fees with me having a credit protection program that they offered over the phone ; in case of missed payments and not having the ability to pay the card. The last thing, my lawyer sent you guys is a desist letter, which according to the FCRA meets the requirements, and I am waiting for the response to my lawyer 's letter with a copy to myself from LVNV. Also, I got a notification from the Office of the Comptroller of the Currency to escalate this ; which is going to involve LVNV and XXXX XXXXXXXX. So if LVNV is going to cover XXXX XXXXXXXX on their fraudulent practices, which the statements are attached, and other proof that I am facilitating everything to the CFPB, OCC, and XXXXXXXX XXXX attorney. If LVNV is going to continue this journey, LVNV is going to be included in this lawsuit for collaboration in fraud, deceiving, and lying practices as an accomplice with XXXX XXXX. Credit Protection, is in my statement from XXXX XXXX, meaning credit protection for the customer. So with this said, Good Luck in court and the Federal Agencies on this matter ; cause this is going to stop very soon.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I recently requested an investigation into lvnv funding being reported on my credit report and requested an investigation and the removal of this account from my report. I did not receive a hard copy of the application documents with my signature as requested upon completion of the investigation nor an updated copy of my credit report and it is also listed as a collection being reported with a balance. According to 15 USC 1692 this company should not have any of my information and are violating my rights. They are reporting inaccurate information and can not provide me with the hard copy of any documents with my signature. I would like this to be removed once again and let this be the last time that i have to file a complaint. It is also past 30 days that this request was submitted and i have a right to request that it be removed permanently. Thanks in advance.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that Im a piece of XXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV FUNDING LLC, XXXX XXXXXXXX XXXX XXXX SC XXXX, has not told me the original creditor for this alleged collection. Therefore I do not know if this debt is valid. I can not contact the original creditor to verify this account as is my Federal and state right. Under 15USC 1681 ( a ) ( i ) I can challenge this account and dispute its accuracy. I don't believe I owe these people a dime!
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A