Date Received: 2023-02-10
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: 15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXX XXXX accounts that reporting false and misleading Information Lvnv funding llc accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through https : XXXX XXXX and they are not licensed in my state.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The company is called LVNV funding & gave law firm for legal judgment. They never called and if they did call it came up spam or unknown. This debt is from XXXX and never heard from anyone through the pandemic. Law firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Either XXXX XXXX or law firm NEVER attempt to make any Financial arrangements with this old debt.
Company Response:
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXXXXXX have compromised my data which is my bank account my XXXX maiden name and my social security with a compromised email account that have pulled me a debt spiral of identity theft spree since two and half years i was successfully able to get one of the original creditors to investigate and send me correctional 1099 for debt cancellation of the highest amount amongst three debt account caused by identity theft in past two and half years which is also attached for further documentation i am buying a home and i have to get this cleared its been way too long for credit reporting to address it kindly remove it asap and take action with this report
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV Fundling LLC I do not nor have ever had an account with this company yet they are reporting from XXXX on my credit report. I have made repeated attempts for debit verification to no avail. Requests were made in XXXX and XXXX of XXXX for verification and proof the account is mine.
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear LVNV FUNDING/Resurgent Capital services ; XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive contacted the fraud department. I have submitted several police report documents along with the FTC and CFPB. I was told by a supervisor that this account will be updated enclosed in blocked from my credit report, and I have a lifetime ban from receiving any future cards from XXXX, because of the fraud that was committed in my name.
Company Response:
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: i HAVE CONTACTED ALL XXXX CREDIT BUREAUS AND FILED DISPUTES REFERENCING RESURGENT A CREDIT COMPANY WHICH BOUGHT AN ACCOUNT I HAD. APPARENTLY THE ACCOUNT WAS PURCHASED TWICE AND THE AMOUNTS ARE DIFFERENT. THEY ARE REPORTED DIFFERENTLY ON MY CREDIT AS XXXX DIFFERENT ACCOUNTS AND XXXX DIFFERENT AMOUNTS. I HAVE REQUESTED THE ORIGINAL DOCUMENTATION FOR THE ORIGINATION OF THE LOAN AND THEY HAVE NEVER PRODUCED SUCH. THEY JUST WAIT A FEW MONTHE THEN RESUME WITH COLLECTIONS. THEY HAVE GOTTEN MORE AGGRESSIVE MORE RECENTLY.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ****IDENTITY THEFT ***** XXXX XXXX XXXX XXXX Beneficiary XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LAST 4 OF SOCIAL SECURITY NUMBER # XXXX To Whom It May Concern, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC sS 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title ; a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. The following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately. Inquiry Company Name : XXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry XXXX XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX My identity has been stolen you are hereby put on notice Aggravated Identity Theft pursuant to 18 USC S1028A ( 1 ) IN GENERAL. Whoever, during and In relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 15 USC sS 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, XXXX, XXXX have aided this fraud by not verifying these accounts. Congress states 15 USC sS 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 1. The following account is due to identity theft Account Name XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 2. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 3. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 4. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 5. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 6. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 7. The following account is due to identity theft XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 8. The following account is due to identity theft XXXX Account XXXX : XXXX Please delete this item from my consumer report. 9. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately. I demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subjection, the consumer reporting agency shall ( A ) Disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681 ( d ) of this title ; and Be advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX Attorney Generals Office in your state and Mine Thank you, XXXX : XXXX XXXX Beneficiary Enclosed : copy of ID, Utility Bill showing proof of address,. FTC Identity theft report with statement of fraudulent accounts/ inquires.
Company Response:
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX funding has no right reporting this account to my credit file. XXXX XXXX Bank is aware this is a fraudulent account and has deemed this account a fraudulent account. XXXX XXXX Bank sent me notice already stating this account was a fraudulent account and its documented on the account. At this point XXXX funding and all three credit bureaus will be sued for allowing XXXX funding to report this account. I want each credit bureau to reach out to the original creditor credit XXXX bank for verification. I already spoke with an attorney and I have a the right to sue for punitive damages. emotional stress and harassment due to this account being reported. Each credit bureau has 30 days to verify this account with the original creditor. I am going to request the XXXX XXXX XXXX investigate XXXX XXXX. I am fed up at this point.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please note that I do not recognize this account and have asked several times for actual debt validation. I only received statements for this account that I am not aware of. I have placed a fraud alert on my accounts, and reported identity theft. Please be advised I was notified that my information was apart of the XXXX data breach and my personal information has been compromised.
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A