Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX XXXX XXXXXXXX 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 than records of convictions of crimes which antedates the report by more than 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: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: LVNV Funding, LLC is in violation by federal law of 15 U.S. Code 1692c ( a ) Communication with the consumer generally- Without the prior consent of 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 did not give consent. This company in violation of 15 U.S. Code 1692g a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. I was given a written notice in five days of initial contact. Also this company is in violation of 15 U.S. Code 1692d where states a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore I did not give this debt collector permission to contact nor did this agency was apart of original agreement with original creditor. Therefore the communication is harassment. See attachment.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX # XXXX Account name : 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 than records of convictions of crimes which antedates the report by more than 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: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$95.00} Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934. c. an adverse claim found at UCC 8-105 ( b ). d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING. e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation. f. violationof18USC1956 - Laundering of monetary instruments. g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity. h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements. 1. violation of Truth and Lending Act Section 1640 ( h ). J. violations is Anti-trust laws. k. violation of the Uniform Deceptive Trade Practices Act. 1. violations in bank fraud. m. violations in wire fraud. n. violation of the Consumer Credit Cost Disclosure Act. o. violation of False Advertising. 15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. ( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt. 15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I, just today, realized that LVNV Funding is reporting the wrong amount as a negative on my credit report. I was initially contacted by their affiliate ( Resurgence ) demanding {$1700.00}. They fraudulently and falsely claim to the credit bureaus an inflated amount of $ XXXX. This harms my credit and makes it look worse than reality. I have no agreement with LVNV funding, whatsoever, let alone XXXX that allows them to charge me in addition to what XXXX XXXX believes that I owe them. Thus, LVNV Funding CAN NOT claim to credit bureaus that I owe anything over {$1700.00}. In addition, the " debt '' is so old that they should not be reporting it at all anymore. This, too, harms my credit and causes me a great deal of damages. I am paying far too much for my car loan and for my credit cards now, as a result. LVNV is the ONLY negative on my report according to XXXX XXXX / XXXX XXXX. Thus, there is no one else to blame for higher interest rates and denied applications.
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted Resurgent Captial Services several times to validate the alleged debt of {$3900.00}, Account # XXXX. Yet, I continue to receive letters from the agency that do not validate the alleged debt and have reported invalidated debt in my credit reports, a violation of the fair credit act ( 15 USC 1692g Sec. 809 ( b ). 2 : RE : Account # XXXX The collection even stated that the summary of the account is not a credit card and not from the original creditor and continues to harass me on debt they can not validate and has no right to collect.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I acquired my credit report and asked LVNV FUNDING LLC to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2022, and LVNV FUNDING LLC received it on XX/XX/2022. Its been well over 30 days in which LVNV FUNDING LLC never responded. I submitted a complaint through the CFPB, and LVNV FUNDING LLC responded that they were unable to locate an account under the name of XXXX XXXX XXXX with the information provided and asked if I could please provide additional information, such as the account number ( s ), in order to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. This situation is becoming overwhelming and frustrating because clearly as you can see in my letter I included the account number. Here 's my first complaint number with the CFPB : XXXX, in which the initial complaint was submitted. At this point, this issue has been very frustrating. LVNV FUNDING LLC has been displaying bad business practices and taking a reproach above the law. I mailed LVNV FUNDING LLC an invoice seeking payment for damages based on LVNV FUNDING LLC FDCPA violations. I will attach all documents as my proof. I have resubmitted a complaint with the CFPB showing records and dates on which I have tried to resolve this matter numerous times. LVNV FUNDING LLC has not only ignored the opportunity to honor my remedies but has also made life challenging and complex for me. Reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not remember opening this credit card.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX / pyod llc. Court date XX/XX/2023 .Company took to me to court to sue for a debt from XXXX XXXX. Which appears XXXX times in different amounts on my credit report. I asked them to provide proof of my account which they coils not do. The case had to be continued. They could not provide me with my signature or social security number for this account. I have XXXX and take XXXX daily. I showed up at court and the could not show me proof of an account i have no knowledge of. I would like this to be removed from my credit report i am not physical able to keep going to court and they cant even show proof. They call and harrass me email all the time
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A