Date Received: 2023-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see things on my credit report I dont remember using
Company Response:
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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: LVNV FUNDING LLC - Has been reporting fraudulent charge to the credit bureau for over 2 Years. I have disputed this charge several times with XXXX and XXXX, and they have refused to remove it from my Credit Report. In the 1st Quarter of 2022 - LVNV FUNDING LLC along with XXXX & XXXX, PC. file a complaint with the XXXX, I responded to the complaint/summons. In XXXX of 2022 - The Court Dismissed the case brought by LVNV FUNDING XXXX XXXX XXXX XXXX XXXX. The case was without Merit, lacking proof and is what the court would consider a Frivolous Lawsuit. The last time I requested for this item to be removed was XX/XX/2022. I have petition XXXX and XXXX to remove the reporting from my Credit Report and provided them with the Dismissal from the Court and still they claim that " Account information disputed by consumer, meets FCRA requirements. '' This is by far the worst credit reporting - If the LVNV FUNDING, LLC - could not prove in a court of law without a shadow of doubt that the Debt is mine, then by a matter of law under the Fair Credit Reporting Act. The negative reporting to my credit profile should stop immediately and be removed from my credit report.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: asked company to show proof of information used to verify a debt, they have failed to present me anything but continue to report negative items on my credit report and send threatening letters saying they can garnish my wages and bank account if i dont pay them ... iv sent 2 letters to the companies and haven't received a response, and its been over 60 days since my first letter. when i called the credit bureau they said the debt collectors validated the debt but again fail to provide me with evidence and keep using threatening language...
Company Response:
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have call this company many times most recently in XX/XX/2023 and XX/XX/2023. I let this company LVNV funding know again this is not my account. I have never had a XXXX XXXXXXXX credit card. I have asked for the original wet signature, copies of the bill and bill history on who paid the account. That way we can see who's checking account this was paid from. Ive never paid it because its fraud. They also said the account was only open for XXXX months. Hello then that should tell you this was fraud. Check my credit I only have XXXX credit cards and they have been open for over XXXX years. LVNV is destroying my credit.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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: Re : LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but XXXX has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago. The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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 # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. please remove this fraudulent account from my credit report. XXXX XXXX
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The XXXX XXXX promise to remove all past due payments. If I agreed to pay off the account, they never remove the late payments, and it is hurting my credit. XXXX XXXX is reporting account closed, charged off, sold to a collection agency and still reporting a past due balance which is incorrect and should be removed permanently off my record. This XXXX XXXX credit card is a XXXX credit card which I used for a XXXX. By XXXX XXXX, selling it off to a collection agency violates my Hyppa rights and both XXXX XXXX. Lvnv are in violation of my Hyppa rights. The company LVNV is the collections company that bought synchrony banks account and is reporting incorrect dates and amounts. I never gave them authorization to do anything. Therefore, they should be deleted off my report permanently. Thank you for your help with this situation. Hopefully we can get these inaccuracies permanently deleted off my report. Thank you.
Company Response:
State: CA
Zip: 93422
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A