Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 SECTION 602 : I HAVE THE RIGHT TO PRIVACY 15 USC SECTION 604 SECTION 2 : A CONSUMER XXXX XXXX AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAT NIT TREAT A PAYMENT ON A CREDIT CARD OPEN END END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm working hard to protect my credit and this account is stopping me from getting a house I disputed it before this account says it was opened at the time I was incarcerated In accordance with the fair credit reporting act LVNV account # XXXX has violated my rights 15 u.s.c 1681 section 602A. States I have the right to privacy. 15 u.s.c. 1681 section 604A section it also states that a consumer reporting agency can not furnish a account without my written instructions I have been incarcerated since 2018 so this debt is a result of fraudulent activity
Company Response:
State: TX
Zip: 76012
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This credit card was with XXXX XXXXXXXX bank they sold my personal information to a third party without my consent according to USC code 5 usc 1681 section 602 right to privacy 15 usc 1681 section 604 ( a ) can not furnish a account without my consent or instruction my rights are being violated and my selling my personal to a third party in which that is identity theft
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my consumer report there is an account being reported as debt owed. This account is showing deliquent on my account and its affecting my credit worthiness. I contacted the company that the debt collectors are saying there are trying to collect for and recieved proof from the company that the account can not be verified because the have no information on me. I belevive that this account was apart of be identity being stolen and used which is why I have a fraud alert on my account from a previous address. I woill like for this account to removed immediately from my consumer file because it is not accurate and not validated to be mines.
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There are 4 different accounts reporting on my credit report that do not belong to me and are from identity theft. All four of the accounts are from LVNV FUNDING LLC.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ACCOUNT : LVNDFUNDING Account number : XXXX This information is being reported incorrectly! ( Date Verified, Date Last Activity, Date Reported, Date Opened ) Also account was sold to collections agency that is not authorized to do business in my state the account was opened. ( XXXX XXXX Nevada )
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I the right 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 aopen-end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have an account that was placed in collections on my three bureau credit report. The amount is {$1200.00}. I was not given a notice that the account would be sold to a 3rd party collection company, nor did I give them or the original creditor permission to report my data to these private data collection companies. My consumer rights have been violated by this reporting and I demand full removal of this account on all three bureaus. I have contacted LVNV Funding twice by certified mail requesting an investigation and no efforts have been made to provide their findings including a signed contract with my signature allowing the collection or a purchase agreement when purchasing the debt from the original creditor. Upon further investigation LVNV Funding LLC per the NLMS website is not licensed to collect in the State of California. Please have this rectified immediately. Thank you in advance.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LOUISIANA CHILD SUPPORT, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Company Response:
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company keeps emailing me after I have called and advise to stop.. They are violating my privacy as also this the email is a shared email Emails go to XXXX I
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A